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

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

Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account NumberXXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries I did not do
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  is an account that fails to meet the industry standard for accurate reporting and this is an account I don't recognize. First, there is no reporting whatsoever coming from XXXX as this is a falsely reported account and was already taken deleted by them. Second, I see no evidence of a XXXX XXXX XXXX XXXX on my record so from my understanding from speaking with Experiand and XXXX representatives this could be a Mixed or Merged file. Third, the payment status for XXXX remarks current and the payment status for Experian remarks Wage Earner Plan? Fourth, the date last active states XX/XX/XXXX for Experian and XX/XX/XXXX. Fifth, there is inconsistent reporting for Date of Last payment with it being blank on Experian and then reporting XX/XX/XXXX for XXXX. The two-year payment history is absolutely inconsistent as well. Ultimately, I have sent numerous correspondence on this item with no followup. Please see enclosed screenshots below.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Trying to apply apartment but I can't be approved because of the collection I don't own .. the XXXX XXXX XXXX trying to collect the Dollar loan under my husband account.. which my husband just file chapter XXXX bankruptcy. Which the Dollar loan been discharged with the bankruptcy and now they report it under my credit report as a joint which I don't sign anything and im not present when my husband get a loan. 
The amount they trying to collect is {$1400.00} XX/XX/2018 And they put joint without my signature and even im not present they include me as a joint
Product: Checking or savings account

I went into my local branch of Bank of America to order temperature checks temporary checks. The three checks that I had I have used up what's up obviously since I am requesting more what's up I don't often write checks but sometimes they are necessary. Bank of America told me it would take two weeks to get me checks which is totally not acceptable. I am sitting here in the lobby and they are giving me death stares. 

The customer service here are alternating between giving me death stares talking about me in Spanish and overall being completely rude. I am XXXX years old and also have a really bad case of the flu which I don't mind sharing with them. After all why should I be the only one suffering. In any event Bank of America are giving me the Mean Girls nasty treatment. They are making me wait in the lobby while they serve other customers because apparently asking for a temporary check is something really at Bank of America.. I also suspect the refusal of service as got to do with the fact that I'm XXXX years old and I'm sicker than a dog. This is why I really wish I could make my day shorter and go back to bed but I can't.
Product: Debt collection

On XX/XX/XXXX, Comenity Bank in association with HSN called my father. He texted me out of the blue about it and knew the debt amount so obviously they shared that information with him. And when I called them and told them this happened, the representative said it was impossible. But how can he know the debt amount if he didn't even know of the debt until they called him?
Product: Debt collection

I 'm currently dealing with issues between " XXXX of XXXX '' XXXX XXXX and " merchants and medical '' of XXXX. In a nut shell I received phone call on XXXX XXXX to pick up items left by a dumpster or I ' would be fined. Later in XX/XX/XXXX, while receiving no fine via letter or phone call from storplace, I received a phone call from m & m in attempt to collect. I explained what was going on to them ( m & m ), the guy whose name I do n't remember, said I undestand. That was the last I 've heard of it until I apply for my first mortgage loan. I found out the fine was turned over for collection on XXXX XXXX ( 8 days after phone call from storplace warning ). I just want this cleared from my prior pristine credit history as it is unfair and not ethical. Also the fine amount indicated by storplace via m & m is not mentioned in the contract. I have requested copies of my lease agreement from storplace, they said I would have to get it and all information from merchants and medical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX Equifax and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax incident in 2017. I received a monitoring service called XXXX XXXX as a result. Over the last several months I received emails from Equifax offering to extend the monitoring service at no cost to me. However, every time I click on their link and enter my information, it just logs me in and doesn't offer a means to proceed. I believe this is an intentional tactic Equifax is using to offer a service and not actually following through with it. I've followed their link several times and done what it asked ( logging in ).  Now I just received a notice of cancellation of XXXX XXXX service. 

I've emailed their email address but receive no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. 
XXXX XXXX XX/XX/2022
Product: Debt collection

They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA XXXX XXXX ; he laughed & said " have your attorney call ''
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXXXXXX XXXX with the three major credit bureaus regarding a charge-off account issue. Despite attempts to resolve the matter, the three credit bureaus have failed to provide adequate information and assistance regarding my charged-off account. 
XXXX XXXX XXXX Balance Owed : {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XXXX XXXX ; XXXX XXXX {$6600.00} XXXX XXXX ; XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX  from the year of XXXX. By law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXXXXXX XXXX XXXX/XXXX  in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XXXX which also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX from XX/XX/XXXX which should not be reporting. State of MI Office CHI in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX XXXX opened in XXXX that also break the SOL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXXXXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Product: Debt collection

I was a victim of XXXX XXXX during the pandemic. I was XXXX  unable to work, which caused an extreme financial hardship. Due to my injury resulting from a gunshot, the state of Tennessee covered all of my medical bills. I never had any bills from WAKEFIELD & ASSOCIATES. This debt is not mine and demand for it to be removed from my credit report, as I have made several attempts to contact Wakefield & Associates, but they have no valid information that is related to me being indebted to this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Civic Liability for Negligence Non-Compliance under Section 16810 To whom it may concern : I am writing to formally dispute the notice of liability for negligence regarding non-compliance under section 16810 of [ relevant law or ordinance ]. I believe that the decision to hold me liable is both incorrect and unjustified for the following reasons : 1. **Non-Compliance Overview** According to the notice, I am being held liable due to an alleged failure to comply with certain civic responsibilities. However, I respectfully dispute this claim as [ provide a brief explanation of why the non-compliance is not valid, such as miscommunication, misunderstanding of regulations, etc. ].

2. **Lack of Negligence** Furthermore, the allegation of negligence is unsubstantiated. I have taken reasonable steps to comply with the necessary regulations and responsibilities outlined in section 16810. [ Provide any relevant facts or actions you've taken to demonstrate your compliance, such as submitting forms, making necessary payments, or other appropriate steps ].

3. **Inadequate Notification** I also wish to point out that I was not provided with adequate notice regarding [ any actions, deadlines, or documentation required for compliance ]. As per section 16810, proper notification is essential, and the failure to provide me with such communication has led to this misunderstanding.

4. **Supporting Documentation** Attached to this letter are copies of [ list any relevant documents, emails, communications, or other proof that support your position, such as proof of payments, communication records, etc. ]. These documents demonstrate that I have acted in accordance with the law and have not engaged in negligence.

Given the above points, I respectfully request that this liability notice be re-evaluated and revoked. Should you require further information or clarification, I am happy to cooperate and provide any additional documentation necessary to resolve this matter.

I trust that you will carefully review the facts and resolve this issue promptly. I look forward to your timely response to this dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX. 
Balance : {$4900.00} Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other states/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.

2. An agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address, employer, and name are wrong and showing multiple names and address on my credit reports. Have tried to remove them but no change.
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from National Credit Adjust on XX/XX/2022 in the amount of {$550.00}. First and foremost, I have confirmed that the debt collector National Credit Adjust is not licensed in the state of Florida to collect on this debt. Secondly, National Credit Adjust violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to National Credit Adjust? I have never heard of them, have no written contract with them and have never received any benefits from them, yet National Credit Adjust has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$550.00}. I am requesting validation made pursuant to XXXX XXXX FDCPA. I respectfully request that National Credit Adjust provides me with competent evidence that I have any legal obligation to pay them. I asking that National Credit Adjust to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and XXXX XXXX. If proper validation of the alleged debt can not be provided, I demand Nation Credit Adjust immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand National Credit Adjust agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that National Credit Adjust agrees to remove my personal information from all accounts in its companies database.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX XXXX stole my identity according to USC 15 1681 they release XXXX inquiries without consumer permission to a obvious third party it has reflected on consumer credit score and personal and private identity information. Three agencies above mentioned has an elaborate mechanism and vital to consumers personal identity identification. Consumer protection of identity has been compromised and sold to third party by all three agencies. Consumer was not included in the profit made by agencies. Agencies above mentioned has no regards of the laws that govern the consumer.
Product: Debt collection

XXXX XXXX XXXX, XXXX knowingly opened collections accounts on XX/XX/XXXX without sending out any type of initial notice of debt, also the accounts were included in my Chapter XXXX Bankruptcy. 
XXXX then attempted to file claims in my Chapter XXXX case after the XXXX creditors meeting on XX/XX/XXXX and XXXX, XXXX that were denied as untimely. 
XXXX admits they failed to send out initial communications on XX/XX/XXXX, but alleges sending out an initial communications on XX/XX/XXXX. 
During a telephone call on XX/XX/XXXX, XXXX firmly states they can not prove they sent out any communications, but refuses to remove the fraudulent collections from my credit file.
Product: Credit reporting or other personal consumer reports

This loan is my ex husbands for his vehicle. I was the co signer at the time when we were married. Since he was making late payments in the past years I since XX/XX/year> started making payments for a vehicle that is not in my possession due to his irresponsibilities affecting my credit score. I spoke to a customer service representative in XX/XX/year> and she advised I have until the XXXX of the following month to pay before it is considered late. Since then i have not made a late payment this year and requesting investigation for XX/XX/year> and requesting removal of this inaccuracy during the investigation period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for purpose