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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  : -US DEPT ED XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XXXX XXXX, 2016 I sent a letter to Account Resolution Services asking for this company to verify the debt that is said I owe {$1200.00}. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted all XXXX credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Account Resolution Services failed to comply.
Product: Checking or savings account

There was a fraudulent transaction by XXXX XXXX XXXX XXXX doing business as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$3000.00} & XX/XX/XXXX {$3400.00}. I received no services or products from them. I submitted all the documents to show that it was fraudulent and most recently sent Chase the text from XXXX XXXX, the owner of said business via text that said they would be refunding my money ( {$6400.00} ) within XXXX business days back to my account. When I called Chase Fraud Dept they had informed me that somebody in their fraud dept just closed the case without giving me my money back despite this being a fraudulent transaction where I received no service or products. After submitting all the documents of proof of the fraudelent transaction where no services was received by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX the people in the CHASE Fraud Dept still has not refunded me back my money of {$6400.00}. The last agent ( which they say are recorded lines ) said that they would be reopening the claim & my money should be back within XXXX business days. Chase allows fraudlent activity to occur and then does nothing to rectify the fraudulent transactions on their accounts. 
People should know CHASE shady business practices and how they do not help their customers address fraud on their accounts but add their stress by doing nothing.
Product: Vehicle loan or lease

XXXX XXXX at about XXXX, i visited XXXX XXXX XXXX XXXX  XXXX on XXXX XXXX XXXX XXXX XXXX Colorado to purchase a used car ( XXXX XXXX XXXX ) at the sticker price of {$26000.00}. We met with sales representative to discuss the loan amount to be financed and to match our interest rate of 6.1 %. I also explained that I'm on a tight budget and don't want to exceed the monthly amount of {$370.00} a month he quoted prior to seeing the financial manager. The sales person explained that they will match the interest rate and would have to meet with him to discuss and electronically sign the loan documents this was towards the close of business. Not having the time to carefully read the documents we were signing and thinking the warranties were part of the loan and not an addition to the loan approved. I just relocated from the XXXX XXXX and not to familiar with the warranties and felt i was scammed and rushed out. i was a XXXX old male and a XXXX veteran. i explained to the financial manager for the dealership that i made a huge mistake for not reading the documents fully and request for a 100 % refund. the dealership financial manager indicated i would have to call the warranty division to reverse the charges, which i did and they stated the financial manager for dealership would have to make the cancellations. sent emails to the financial manager on XX/XX/XXXX, pertaining to the cancellation of the warranty and explained that he placed me in financial burden and begged to have this additional warranties removed and refunded. he never replied..
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to change or update any information on Experian product service. System is not allowing any updates.
Product: Credit reporting or other personal consumer reports

There are 3 fraud inquiries on my TransUnion report. 

1. Inquiry Date : XX/XX/XXXX Name : XXXXXXXX XXXX  2. Inquiry Date : XX/XX/XXXX Name : XXXX XXXX 3. Inquiry Date : XX/XX/XXXX Name : XXXX XXXX There are 2 fraud inquiries on my XXXX report. 

1. Inquiry Date : XX/XX/XXXX Name : XXXXXXXX XXXX 2. Inquiry Date : XX/XX/XXXX Name : XXXX I want them removed immediately. Police report and Identity theft reports have been made. I have disputed these, they are not correct, and they are affecting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently check my credit report and saw my XXXX credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY XXXX XXXX AND XXXX XXXX Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XXXX XXXX, XXXX Balance {$6000.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


The Platinum Card from XXXX XXXX Apply Now Learn More See More Credit Cards Advertiser Disclosure Is everything correct? 

Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. 

View Our Disputes Guide CREDIT USAGE 93 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i bought this home in 2003 for {$140000.00} and right now my morgage statement is showing i own {$220000.00} i dont understand and now one can explain how inowe rhat amount the only thing my collection company which is select portofolio inform me is that they going to put my home on foclosure
Product: Credit reporting or other personal consumer reports

i receive notice from a rental company that I have a eviction on my credit report from trans union credit bureau but its not listed/ also will not provide where they receive information,
Product: Consumer Loan

Upon checking my credit report on XXXX/XXXX/2015 it appears that Automotive Management has increased the amount of my reported debt to credit agencies without notification from {$4500.00} to {$5800.00} increase of {$1200.00} ) Automotive Management has never informed me that they have assumed liability of a debt I owe or that I have signed into an agreement with Automotive Management. Nor has Automotive Management provided me with a notice of sale date, location, or details of said Vehicle repossessed by Automotive Management
Product: Credit reporting or other personal consumer reports

My complaint responses are coming back as the accounts being verified. None of the accounts that I have listed in my report or letter below belongs to me. I am asking that these accounts be removed completely for it is affecting my character.
Product: Credit reporting or other personal consumer reports

In light of the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which has raised serious concerns about the accuracy and integrity of credit reporting practices, I am requesting that a thorough investigation be conducted on these accounts. Additionally, I expect you to provide **concrete proof** demonstrating how the accuracy of these collection accounts was verified and substantiated, in compliance with **15 U.S.C. 1681i**.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX XXXX XXXX has acknowledged in writing ( attached ) that their accounts were reported to my credit file due to an " inadvertent internal error '' and should have been removed. 

Further ; the creditor acknowledged that they never received a payment from me on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dipute with Experian indicating that XXXX XXXX   had incorrectly reported a balance on my Experian credit report. This account was included in chapter XXXX BK XX/XX/XXXX and discharged XX/XX/XXXX. I received a recent Experian Credit report Dispute Result Report # XXXX with XXXX XXXX   account # XXXX and its showing current change off starting XX/XX/XXXX through current date. This is a FCRA violation and Experian and or XXXX needs to correctly report as ND ( no data reporting ) due to Bk chap XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX, on XX/XX/XXXX, XXXX XXXX/XXXX  ( the report does not include information about the creditor ) and on XX/XX/XXXX, HSBC BANK USA XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

per complaint number XXXX XXXX XXXX XXXX was to correct info on acct ending in XXXX on all credit reporting agency within 30 to 90 days. this has not been done and acct is still showing XXXX owed and charge-off status. I have called and left voicemail with my cell phone number to contact me back 20 times with XXXX XXXX AND XXXX XXXX for over 40 calls and no reply back. this acct has been disputed over 5 times and on each occasion they have taken over 30 days with no response. which violates the consumer financial protection act. This is ongoing issue that has lasted over a year with no resolution. please also not that this acct was disputed on XXXX with not response at all in 60 days which is another violation. The complaint and request for investigation was sent to address provided by XXXX  XXXX XXXX to all credit reporting agencies. It was sent via certified mail. all documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc and police report items are not mine
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Credit reporting or other personal consumer reports

Issue Type : Mortgage Credit Reporting and Servicing Explanation : I am filing this complaint regarding an inaccurate XXXX delinquency reported by XXXX XXXX XXXXXXXX for XX/XX/XXXX. The delinquency was caused by a confirmed banking error from my financial institution, XXXX XXXX, which delayed my payment. Despite providing documentation from XXXX XXXX that clearly acknowledges their responsibility for the error, XXXX Mortgage has refused to amend the derogatory credit reporting. 

Details of the Issue : My payment for XX/XX/XXXX, was processed by XXXX XXXX  through their bill pay system. Due to a technical error on their end, the payment was delayed and not received by XXXX XXXX  until XX/XX/XXXX. 
XXXX Bank has issued a letter acknowledging the error and confirming that funds were available and intended to pay the mortgage on time. This letter was provided to XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX rejected my request to amend the credit report, citing that XXXX XXXX  is an " unauthorized third party '' and claiming they are unable to honor such requests under the Fair Credit Reporting Act ( FCRA ). 
I have attached the letter from XXXX XXXX, my payment history, and any relevant supporting documentation to demonstrate that the delinquency is not due to my actions or negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX  ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have a car lease with XXXX XXXX they stopped reporting my payments to the credit agency 's in XXXX after my XXXX was discharged even know im still makeing ontime payments to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Debt collection

Unfortunately, I did not make note of the exact date of my conversation with the company in question -- XXXX XXXX XXXX. I believe it was in XXXX of this year, but if I am incorrect, it was sometime in that time period. The person on the line stated they were collecting a $ XXXX utility debt for Con XXXX XXXX a utility provider in XXXX that I had not had an active account with for 18 months at the time this call happened. I moved from XXXX XXXX XXXX in XXXX XXXX XXXX  and closed out my account with XXXX -- an event I well remember because I had to pay over {$1000.00} because I had selected their balanced payment option which charges a set amount each month and then trues up with the actual meter periodically. I was paying $ XXXX a month for electric with that plan, so it was not fun for me to find that to true up my account was such a significant amount. I paid it and my account was closed and I verified such by seeing it was closed via their website. I also know it was closed because XXXX doesn't allow a meter in an apartment to be assigned to two different accounts and I was in touch with the renters who moved in to my old place and they had no issue getting their electric turned on. Informed XXXX of this by phone and requested that they send me the details of the debt to prove that it is mine, because I do not believe it is. They said they would mail it and I have never received it. However, I receive a call at least once a day if not twice or thrice from XXXX. I only know this number belongs to XXXX because a web search shows it does as well as numerous complaints related to the number. I have begun to ignore the call because the times I have answered no one is on the line and the call disconnects after XXXX seconds, or I don't answer because I am busy and I assume normal people would leave a voicemail or at least speak when I answer the phone. XXXX has done neither.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX I'm XXXX XXXX received a debt collection letter from uscb America stating I owed a debt of {$88.00} I had no knowledge of this debt. I responded to these allegations XX/XX/2023 uscb America was in receipt of my response the same month I have a certified receipt showing proof in accordance to us code 15 section 1692 g I demanded a hard copy of the original signature for validation I received some type of document with a signature that does not belong to me further uscb America is in violation of the HIPAA by furnishing documents of my past visit to XXXX I have documents that XXXX furnished to me as proof.
Product: Credit card or prepaid card

On XX/XX/XXXX Synchrony Bank processed a payment for {$4100.00} which was not authorized. The company claimed that I set up autopay for the statement balance which I'm sure I set it up for the minimum payment. I am always very careful. When I brought this to the company, they were willing to issue a check but said that it would take 2-3 weeks for it to process. They were able to fraudulently take the amount electronically and were unwilling to return the amount electronically minus the minimum payment. They overdrew my account and left me without any money to take care of my family and expected me to wait for weeks to receive the unauthorized amount of money they took. Their customer service was able to get the check expedited to 3-5 business days but that still leaves me without money for almost a week. I have had nothing but problems with this company and in a previous instance they charged me a double payment even though customer care said that I would not have to make the second payment. This company has deceitful business practices and should adjust them.
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 XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to malpractice by your company I'm being taking advantage of completely ... ..according to the fcra... this has made my life stressful financially and this is also deformation to character... I've been unable to obtain any new credit because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized credit inquiry dated XX/XX/2018 from XXXX.