23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Nothing under the Fair Credit Reporting Act require a furnisher to furnish negative information to any consumer reporting agencies. The term negative information means information concerning a consumer delinquencies late payments insolvency or and form of default. The term non-public personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. Congress stated results from any transaction with the consumer so sharing non-public personal information to the consumer reporting agencies such as late payments you are in violation .Furnishing negative information is a violation of the consumer credit protection act. You are only furnishing this negative information because your company policies allow you to use unlawful extortionate means to coerce a consumer to make payments on extension of credit. No negative information should be furnished to a consumer credit report without their lawful authority. You are committing unlawful extortionate means such as furnishing nonpublic personal information i.e late payments charge off etc Credit acceptance you can get 20 years for violating 18 u.s.c. 894.Credit acceptance remove all late payments immediately
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

Nissan put a car on my credit report on XXXX report says it is a charge off and amount due the XXXX Nissan XXXX account number XXXX this car was in my bankruptcy it shouldn't be on my report like that they need to update my XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that as of today, Transunion has been willfully unresponsive to my requests in regards to sending proof of consent for the following accounts : XXXX XXXX XXXXXXXX XXXX Account number XXXX and XXXX XXXX. XXXX  account number XXXX, Due to the remarkable amount of data breach with consumer reporting agencies, I see it necessary to exercising my right under the Gramm Leach Bliley Act which requires financial institutions or companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and to safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing policies, including what information it collects and with whom it shares the information. The law also states that a privacy notice must be provided when a costumer relationship is established, and annually thereafter. unless the financial institution does not engage in any sharing for which costumers have the right to opt out and there have been no changes in previous policy notice They were unresponsive to my request on XX/XX/22 number XXXX and a follow up complaint submitted on XX/XX/22 number XXXX.
Product: Credit reporting or other personal consumer reports

Issue # 1 - an old mortgage account is showing as late when it was not. The mortgage company in the middle of selling off the loan was still getting the payments and wasn't crediting them. We got a letter stating it was a mistake since our payments were automatic. We were told this would not hit our credit since it was their mistake Issue # 2 - there is a card showing as paid but not in full and closed. On my XXXX report it shows as in good standing, pays as agreed and closed. This is from years ago and should not be showing as paid off for less.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX Acct : # XXXX, XXXX Acct : # XXXX, XXXXXXXX XXXX XXXXXXXX Acct XXXX # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct : # XXXX, XXXX XXXX Acct : # XXXX, XXXX OF XXXX Acct : # XXXX, XXXX XXXX XXXX Acct : # XXXX. Personal information : Incorrect name and address XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

U.S.C.1681A states I have the right to privacy.

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

Got a call from XXXX saying there was a PayDay loan taken in my name back in 2012 which was not paid and I owe {$520.00} and if I do not pay it will go to court. I never took out a pay day loan in my life. Someone used my ID to get it.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH USC 1681a2 1 DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESSES NAMES TO BE FURNISHED ON MY XXXX TRANSUNION XXXX CONSUMER REPORT ACCORDANCE WITH 15 USC 6801 a b XXXX XXXX XXXX XXXX PROTECTION OF NON -PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE of personal information USC 6803 I never signed any disclosures forms given written consent.
Product: Credit reporting or other personal consumer reports

I have disputed World Finance on my credit report several times. Only for them to never have provided me any information verifying this loan. **They are reporting every single month to the credit bureaus and each one it is a different amount from a loan that it says was opened in XXXX. 

The date this loan on XXXX credit report was Date opened is XXXX Date Closed is XXXX XXXX with the remark code ( Profit and loss write-off ) and it says the highest balance is {$XXXX} XXXX it says it was opened XX/XX/XXXX closed in XXXX of XXXX THEN the Status was updated XXXX XXXX then all of sudden the Account was charged off in the amount of {$XXXX} written off. 
Now they are increasing my balance every single month since and now it's saying I owe XXXX I have disputed this several times and never heard anything back from from them, I have called them, sent the letters in the mail with no response. I want this removed from my credit and for them to stop reporting every month and increasing my balance every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. TransUnion failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

1. XXXX XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} 3. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Checking or savings account

I have called the bank numerous amount of times to find out why my account is being closed they have given me the run around so many times that it is so frustrating. They won't give me any information they told me I can go into the bank and get my money out but when I go into the branch they tell me no we can't do that. They have restricted my account and when I requested information they tell me we don't have any information the bank doesn't have to give a reason why they are closing your account. I just want my money out so it could be closed and I can deposit it into my new account because I have bills to pay.
Product: Debt collection

I have a debt of {$230.00} reported by Cedars Business Services , LLC on my XXXX XXXX which they claim is owed to XXXX XXXX. I have never opened an account with XXXX XXXX and believe this debt is inaccurate. 


Reference Number : XXXX Creditor : XXXX Account Number : XXXX Amount Due : {$230.00} Under XXXX XXXX Code XXXX, XXXX requested debt validation from Cedars Business Services , LLC, but have not received adequate proof that the debt is mine. 
XXXX XXXX. 
Code XXXX mandates that credit information should be accurate. Reporting a debt for an account I never opened violates this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX 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

1. Have contacted my children and brother for the said credit card debt 2. Have been harassing me through non-stop several phone calls multiple times a day 3.Lie about the amount I am owing 4. Threatened me with law suit.
I have asked them for the details of the said debt. This said debt is over five years old. I even offered to pay $ XXXX/month until the debt is retired.
Product: Debt collection

With XXXX and XXXX Ive repeatedly told them and sent my Drivers license to let them know my correct name is XXXX XXXX and they have XXXX XXXX Ive paid off one of the collections and the other they sent me to court for so now its order Ive asked them to remove the one that was completely paid off my credit report and the ones that are being paid monthly since technically they dont belong to me since my name is completely wrong
Product: Credit reporting

I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
Product: Credit reporting or other personal consumer reports

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data quickly would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Product: Debt collection

The attorneys for Wells Fargo Bank N.A. ( the bank ) failed to serve us legally for notice of a Judgment Lien court date, wherein we did not get the opportunity to defend ourselves prior to a judgment being illegally entered against us. The bank previously failed to notify us ( by legal service ) for this same case prior. We called them out on this failure previously in writing. The bank claims that they sent notice by US mail, however not even one of the multiple letters they claim they sent were EVER received. The attorney for the bank works from XXXX XXXX, CA. We live in the country in XXXX, TX. We believe that the bank failed to provide us with legal notice to get a default judgment lien against us illegally. We were denied the opportunity to our defense. To close this matter out, we made a settlement offer. The greedy bank declined. We dispute that we were ever served and will seek further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the credit agencies about the following errors and disputes : Transunion is reporting my name as XXXX when my last name is XXXX Transunion is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX XXXX   is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX is reporting incorrect address information : XXXX XXXX   XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX, XXXX, and Transunion is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX/XXXX  XXXX XXXX, XXXX, and Transunion is reporting inaccurate 30 days late reportings in XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX, XXXX, and Transunion is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report.

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

XXXX XXXX ACCT # XXXX / XXXX Date Opened : XX/XX/2020 / XX/XX/2020 In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a XXXX C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( XXXX ) appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Fraudulent checks were deposited to my daughters account ( which has been linked to my account since she was a minor ) through an ATM, and somehow the money was made available the same day. My daughter did not realize that she lost her debit card as she is young ( XXXX ) and still trying to understand responsibility ( I know no excuse. My daughter had a daily limit for withdrawal of {$500.00} however someone was able to withdraw over {$1000.00} from the ATM. I can not even withdraw that much money from the ATM. As soon as my daughter realized that her account had been compromised she called me. We immediately called the bank and told to go to the branch the next day. We filed an on line police report and went to the branch. The branch rep told us we needed to call Chase customer service as her account is restricted. Because my accounts were linked ( because she was in high school when her account was opened ) they took all of my money leaving me at a XXXX balance in two accounts. I called and filed a claim XX/XX/2018. I received a letter dated " XX/XX/2018 '' indicating that my claim was denied. I am unsure how a investigation can be done in less than 24 hours. I called immediately and threatened to obtain an attorney. At that point I was transferred to the " Fraud '' department. I thought I had been dealing with the Fraud department all this time. A claim was filed and I informed the, I wanted them to pull the video  footage because I want to prosecute and need my money back. They took every dime I had and left me with nothing. I finally received a call today saying that my claim was denied because my daughter didn't report her card stolen in time. Granted I understand that and I am aware my daughter was negligent in doing that but again she is young and still learning how to be an adult. My problem is they aren't concerned with the fact that fraudulent checks were deposited into her account and withdraws were made via ATM. They don't care because they took all of my money. Regardless of my daughter not reporting the loss of her card in a timely manner because she didn't realize it, I need my money and why aren't they concerned with the fraud being done? I have done some investigation on line and there are a lot of complaints regarding this bank and situations such as this. There is a remaining balance that they are expecting us to pay. Really, we did not have anything to do with this. I believe this is an inside job as how can one over ride checks being deposited into an ATM and be available immediately, how can one get someones pin ( Chase recording asks for pin when you call to activate a card ). Fraud activity with banks and ATM 's were even on the news this past week .... Please help me get my money back from CHASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

purchased a tread mill online through XXXX on XX/XX/XXXX. I decide that I did not want the tread mill and cancelled the purchase on XX/XX/XXXX. I also sent XXXX XXXX from preform an email to cancel the order. On XX/XX/XXXX the company tried to deliver and I spoke to XXXX XXXX ( XXXX associate ) and she said that the order was cancelled and I should receive a refund, the return # XXXX. 

I receive another bill from XXXX financing on XX/XX/XXXX, I called and spoke to a representative that informed me that the order was pending and the return should be processed in 10 days. 

On XX/XX/XXXX I received another bill from XXXX financing with late fee, I called and they transferred me to a collection agency. I spoke to the associate and he stated that they did not show a return and directed me to submit a claim form. 

I submitted the claim form however they show no record of it. 

They finally refunded the product but they did not reverse the late fee 's or correct my credit report. It is now XX/XX/XXXX and I am still dealing with this, it has almost been 6 months. 

I feel as if they are leading me in circles, this is ridiculous. I have never received the product ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I busted an XXXXXXXX XXXX XXXX XXXX  so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX