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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 u.s.c 1681.. Account name ... XXXX XXXX  .... Account # XXXX ... Account Name .... XXXXXXXX XXXX ... Account # XXXX ... Account Name.. XXXX  ... Account # XXXX ... Account Name ... XXXX.. Account # XXXX ... Account Name... XXXX XXXX ... Account # XXXX XXXX Account Name .... XXXX XXXX XXXXXXXX... Account # XXXX XXXX Account Name... XXXX XXXX XXXX .... Account # XXXX 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.. 15 u.s.c 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received documents I requested from National Credit Adjusters on XX/XX/XXXX. After calling them to inquire about their dispute process I was spoken to in a very rude manner. I also contacted the original creditor XXXX XXXX on XXXX XXXX, XXXX @ XXXX XXXX  XXXX XXXX. I was told the account number National Credit Adjusters provided to me, XXXX, on the mailed documents didn't match my name. The mailing address on provided documents is an address I haven't lived at since XXXX. The amount attempting to be collected is XXXX. XXXX which is reported on all 3 Credit Bureaus but the documents provided that they gathered from XXXX XXXX says XXXX. XXXX. South Carolina, the state I have lived in since XXXX, has a law pertaining to payday loans ( Amount questioned {$800.00} violates South Carolina Law Section 34-39-180 ( E ). Max is amount allowed per SC law is {$550.00}. It is also required that a borrower was presented withan extended payment planfor a 12-month period in case of an inability to repay a deferred presentment transaction.The referenced payday loan was supposedly granted XXXX, XXXX but 2 hard inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I have notified both parties National Credit Adjusters and XXXX XXXX with absolutely no resolution.
Product: Mortgage

My mortgage was moved to Seterus in XXXX 2014. I am currently in a chapter XXXX bankruptcy that will be paid off in XXXX. I have filled out paperwork with my attorney 's approval so I may talk about information regarding my loan and sent it twice to the address I was notified by Seterus. My attorney also faxed the information twice to the phone number Seterus instructed twice. When I call about my loan, I am told this information has never been received. I am angry that my rights to my mortgage have been violated. I see several mistakes on the Seterus periodic loan notice but can do nothing to dispute this information. Furthermore, Seterus sends any information to my attorney annd I have yet to get a statement from Seterus. I want my account updated so I may have access to dispute any problems. I also am requesting an audit of my loan as I see there are mistakes on my loan. If you do not handle the auditing procedures, I appreciate any referrals you can provide. I want to thank you in advance for your help in this matter. Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about X/XX/2016 USAA Savings Bank incorrectly reported me to XXXX XXXX XXXX that USAA closed my checking account for cause. This is wrong. I closed the account due to lost checks. USAA did not suffer any monetary losses. I demand that this be removed from my XXXX XXXX report. Thank you.
Product: Credit reporting or other personal consumer reports

It has been over 50+ days and neither XXXX XXXX XXXX XXXX Transunion has responded by to my disputes. I have sent numerous dispute letters to have accounts improved from derogatory to current status because they have been paid as agreed, but they continue to report these accounts as negative. Because of their continuous stall letters and tactics saying that I am not who I say I am and will not proceed with the investigation, they have violated my rights as a consumer under the FCRA because they have failed to respond to my requests in my timely manner. 

I have attached letters and and responses.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XX/XX/XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

I requested that the reporting company - XXXXXXXX XXXX XXXX delete their posts of accounts that I don't have with them. 

The company has been unresponsive to this request and so I have sent written request that the company provide validation of the accounts they are reporting to the consumer credit agencies. 

I've written to mcm requesting they remove these accounts that they continue to report to the consumer agencies. 

I did not give permission to this company to access my personal information for their gain or mine. I have not opened accounts with XXXX or provided them with the information that would allow them to open accounts on my behalf. 

I have also let the consumer reporting agencies know that they have accepted inaccurate information and their refusal to remove these accounts puts them in violation of the Fair Credit Reporting Act along side mcm. 

I request that you investigate these mcm entries immediately and remove them from my credit report, as it is both inaccurate and unauthorized. 

Please remove the entries as requested and provide me with written confirmation when this request has been completed. 

Thank you.
Product: Debt collection

XXXX XXXX XXXX has neglected to remove themselves from all three of my credit reports. They have sold this debt to another creditor and are NOT collecting on any debt in my name. CRA policy instructs debt collectors to delete their reported collection if they no longer have active collection authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am submitting this complaint on MY OWN BEHALF. This is not a third party company. I authorize Equifax to continue their investigation and response to this complaint. I called Equifax today and also submitted disputes for 14 items listed on my report that are inaccurate. The dispute confirmation number is XXXX. The disputed items have not been properly investigated pursuant to the FCRA. There was and have not been ANY interviews conducted pursuant to the FCRA in items sent to companies for response via the E-Oscar system Equifax is reporting information on my consumer report that I neither consented to nor authorized and that is a violation of my right to privacy pursuant to 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. To further, Equifax you are in violation of the following laws. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681a ( 4 ) - ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681a ( 2 ) ( b ) ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The 14 items listed on my reports have been disputed and I am demanding they be removed. 
Having a consumer report and items listed on this report is a defamation of my character and the reporting of these items are not benefiting the consumer as the consumers credit was extended as the original creditor in all consumer credit transactions. 

I XXXX XXXX XXXX never gave Equifax any written consent to report ANYTHING to my consumer report. Consent was not given to have my personal identifying information which is identity theft per 12 CFR 1022.3h. Additionally I did not consent to a FICO score and there is no law that states a consumer must have one. I demand this erroneous score be lifted to the highest numerical value of XXXX as the natural person only operates in credit and not alleged debt. 
With my consumer rights being violated I am expecting monetary compensation in the amount of {$14000.00}. {$1000.00} per inaccurate item listed on my Equifax consumer report as pursuant to the FCRA
Product: Credit card or prepaid card

Discover Card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$11000.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit
Product: Consumer Loan

Yesterday I got a XXXX message from a cousin in another state, whom I, not even yearly communicate with. She writes me " Hey the police are looking for you, they keep calling you. '' I immediately thought it was a joke and responded with a laugh, telling her I think she has the wrong person. She responds saying, " No, they keep asking for ( my name ). '' A few minutes later I get a text message from my brother that shows where she XXXX messaged him stating, " Can you tell your sister the police keeps calling for her at XXXX house ''. Then I knew she was n't joking. I gave her my # and asked her to call me. She tells me that a private investigator from Texas has been calling her mom ( who I have n't spoken to in many years, lives in another state, and I would only know how to contact through my cousin - on XXXX ). She says this person has been calling a lot. Being XXXX mos pregnant, and not a criminal, I became immediately concerned -scared. She continued to tell me that this person happened to call when she was with her mom, and once her mother said my name ( married name that my aunt does n't know of ), she told her mom, that 's " -my nickname-! ". I was/AM completely embarrassed, humiliated, confused as to why someone was calling her for me, and scared of being arrested - especially with my XXXX. I remembered I got a call that same day from a Texas number. I told my cousin I would validate the number, and to give me the number she has. After getting off the phone with her I checked my voicemail. It was a person who said they were an " Investigator '', asking to speak to MY HUSBAND, and that he has a CASE FILED AGAINST HIM. Again, feeing sick to my stomach, I immediately called my husband, and then sent him a text. I eventually forwarded him the voice message I received. He later tells me it is a collector for Wells Fargo Dealer Services, and that he spoke with her last week, and made payments last week. I am highly upset that she would go through such tactics to get him to contact her. Though he is my husband, this debt has nothing to do with me, and to call ( harass ) my distant relatives - who I do not keep in contact with - stating the police is looking for me is EMBARASSING and defaming of my character! Why go through such tactics to get in touch with me??? It is not that hard to find me. No one gave her permission to call these people. I am angry! And how do I clean the situation up with them ... just tell them it was a bill collector calling for my husband? That he has been out of work for months, I am the only XXXX working, - oh, and by the way I am XXXX months XXXX! That is none of their business - and EMBARASSING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their violation of the Fair Credit Reporting Act ( FCRA ). I recently financed my auto loan with XXXX and have encountered significant discrepancies in the reporting of my payment history to the credit bureaus. 

My car loan was initiated at the end of XXXX, and my first payment was scheduled for XX/XX/2023. However, upon making a payment on XX/XX/2023, covering both XXXX and XXXX, I noticed that there have been no updates about these payments reported to any of the three major credit bureaus. 

This oversight is a clear violation of the FCRA, which mandates that accurate and timely information be reported by lenders to credit bureaus. I am deeply concerned about the potential negative impact this issue may have on my credit score and financial reputation. 

I have attempted to resolve this matter directly with XXXX XXXX XXXX, but regrettably, my efforts have not yielded any positive results. The lack of responsiveness and inaction on their part has led me to escalate this matter to your esteemed agency. 

I kindly request your immediate attention to this issue and the initiation of an investigation into XXXX XXXX XXXX 's non-compliance with the FCRA. I believe that by taking appropriate action, we can rectify the inaccurate reporting and prevent any further harm to my credit standing. 

Thank you for your prompt assistance in resolving this matter. Please do not hesitate to reach out if you require any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this, however I have not been successful.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I went to well fargo XXXX XXXX XXXX XXXX to do an currency exchange for XXXX currency. The bank did not have the proper envelope to do the exchange advised me that they would get the correct envelope. The gave me a call about XXXX XXXX and I returned the bank around XXXX XXXX that day. I walked out of wells fargo with XXXX us dollars. Today at XXXX XXXX XXXX i was informed by wells fargo agent that the XXXX dollars were out of circulation and that Wells fargo would be debiting my account for the XXXX. The bank at the time should have known that the dollars where out of circulation.
Product: Debt collection

I am on collection from a circuit court in XXXX, Texas from a company that I have never conducted business with. The company is State Farm and I believe the amount is {$500.00}. I have never purchased any kind of product from them. I have never received anything from them. I 've never been associated at all with this insurance company so I do n't understand how I owe them anything at all.
Product: Credit card

I am currently going through a financial hardship. My pay was significantly cut at work and I am having a hard time making my payments. I called Capital One on XX/XX/year> to see if there was any sort of options that we could explore because I am making payments every month on time but I am still drowning in debt. The interest, almost 30 %, is eating me alive. I'm not looking for a charge off and I'm not looking to skip payments, I'm only looking to make some headway on this debt. I explained this to the agent on the phone and he said the only option they have is to waive late fees for 3 months. I have never been late on a card payment, so this assistance wouldn't actually do anything for me, which I explained to him. He said that they could not help. I asked to speak to his supervisor and she said " my agent already briefed me on the situation, and we have the same system so there's nothing else I can do for you. '' She said that I currently have the lowest interest rate on my card that they provide ( which is NOT true because my other card through the same company is a lower percentage, and so is my husband 's ). She advised me to call back in a few weeks to see if anything changed. I asked what the difference was between now and a few weeks, and she said " nothing, but you could try again. ''
Product: Checking or savings account

I was scammed via XXXX  for a service that I didnt receive. I asked the merchant for my funds to be returned profusely. Chase refused to go forward with disputing the claim. XXXX couldnt help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client XXXX XXXX is a victim of identity theft. She was notified by Capital One of a fraudulent Capital One account established using her information without her consent on or around XX/XX/XXXX. An official dispute of this account was sent to Capital One XX/XX/XXXX ; Capital One then made contact with my client via letter XX/XX/XXXX asking for additional information along with an affidavit for my client to complete ; which my client did comply. As of this date Capital One has not provided any updates as to the status of the investigation which is a violation of FCRA.
Product: Debt collection

On XXXX/XXXX/2016 I spoke with a representative who stated that she was going to send the police out to my home, and they told me that I had a class 2 Felony. The representative was yelling and telling me the only way to fix this would be through bankruptcy. They did not start the conversation with say this is an attempt to collect a debt. At first they did n't want to tell me what the debt was for. Then they continued to call me a after I got off the phone with them. I start to receive phone e call from restricted numbers.
Product: Credit reporting or other personal consumer reports

I mailed a letter of verification to XXXX on XX/XX/2024 received no response back. I am demanding that this account be removed from my credit.
Product: Debt collection

LVNV is on my credit reports saying I owe a balance of {$1200.00}, but I have no accounts that have/had a balance of {$1200.00}. 

I have also never received anything from an LVNV by mail, I did not get a Regulation F letter
Product: Debt collection

THE CBE GROUP INC-XXXX listed a debt on my credit report that I do not owe to XXXX XXXX for {$280.00}. They then listed the same debt, changing it by {$1.00} ( {$280.00} ) being owed to XXXX XXXX under the name XXXX on my credit report making it look like two separate debt collections. This has had a TREMENDOUSLY negative effect on my credit. It is a deceptive practice and has hurt my family 's ability to get housing, etc.
Product: Debt collection

Aargon Agency is Reporting negative debt on my credit profile the amount is {$670.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.