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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Product: Debt collection

On XX/XX/2023, I mailed a certified letter to the company FAIR COLLECTIONS & OUTSOURCING, in regards to an alleged collection account on my consumer report. Also on XXXX XXXX, 2023 I made a complaint on this platform portal that the companies FAIR COLLECTIONS & OUT and XXXX were negatively affecting my consumer report by reporting false and inaccurate4 information of this alleged collection Account # XXXX, on my behalf. It has been well over the allotted timeframe of response and verification, pursuant to 12 CFR 1006.34-Notice for Validation of debts must be within five ( 5 ) days. Being that either of these companies can not validate, prove and provide the authenticity of this alleged collection account, under federal law and to, my fair act consumer rights, this alleged collection account # XXXX is to be immediately removed from my consumer report, along with a written letter to my home address stating that this alleged collection account is removed. I am not sure where this alleged account came from and I don't know who it belongs to, however this alleged collection is not mine. This action will be taken to federal court, as it is against my consumer rights of unfair practicing and false reporting in regard to 15 USC 1692 validation of debt, and Fair Credit billing act. Once a consumer files a complaint to the Consumer Finance Protection Bureau, that the company must respond. The FAIR COLLECTIONS & OUT company HAS NOT and IS NOT responded by mail or consumer portal. I humbly demand a removal of this alleged account that does NOT belong to me, removed. Attached are Exhibits A and B, of the Debt Verification certified letter with return signature to the company FAIR COLLECTIONS AND OUT with evidence that this company has received the document and signed for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter on XX/XX/2022 advising that inaccurate information is being reported on my credit profile. All three credit Bureaus are posting conflicting information examples listed below : Balances are reporting Different with all three credit Bureaus Last Activity date is different Date Account was open is different Accounts Showing Open and Closed Accounts Showing Past Due account on Closed accounts Collection Agency has not investigated or corrected the issue.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I applied for a load with cashnet in the amount of XXXX My first payment was XXXX which was made on XX/XX/2018. I jus found out today that the payemnt went only to fees and intrest. Nor they have notifed me that my next payment is going to be XXXX whicj is XXXX dollars above my last payment. Nowhere in their aggeement was there anything that indicated that this was not a standard loan with set payments over a certain amount of time. They informed ne today that I was being chagred XXXX dollars in intest alone. I am on a fixed income and had I known that this was not a loan with set payments over a certain amount of time I would not have applied. They only offered assistnce if a payment was declined by my bank and would charge me XXXX t XXXX extra a month to do so. I have teir to contact them to see if they can help with the high payments that they are now tring to charge me but all I get is I'm sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid on time for the last 5 years and it appears that regardless of what I do my credit score never gets better, which causes me problems when trying to refinance my home and obtain better rates. I'm inclined to believe that the three credit bureaus knows nationality based on names. I think as a consumer this should be investigated. XXXX  do not and will not get the same treatment as our counterparts if we as a country don't look into matters that appear to be fair from looking from outside, but internally the bureaus have underlining agendas that we will never understand. Please take a look into these matters to make sure we are all treated equally as consumers. Credit suppression seems to also exist in this country as well.
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 protective consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # No number 15 U.S.C 1681 section 602 a. States I have the right to privacy.

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

15 U.S.C 1681 c. ( 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 the records of convictions of crimes, which antidote the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable caused believe that the information is an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name, address below listed on my credit report is not nor has ever been an address in which I resided and does not relate to me. It is the result of identity theft. I have contacted Transunion many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in time frame given.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( A ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I want XXXX XXXX dollars per violation. 
I also want the fraudulent accounts reported on my credit profile to be removed immediately.
Product: Credit reporting or other personal consumer reports

DEROGATORY REMARKS/COLLECTIONS/ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Inaccurate info on report. Called and talked with no help and rude customer service. Ready to close on a loan and now income/debt is a problem because this popped up
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. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item 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 correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2013 Balance : $ XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against XXXX XXXX for the following reasons : XXXX XXXX XXXX  has an accurately reported a foreclosure on my home which is a fraudulent foreclosure due to a defecation or a separation of my promissory note and title both are supposed to be held at the county clerk 's office in XXXX XXXX and there is no promissory note attached to the title so this makes it a separation which is illegal and is fraudulent and makes the mortgage know and void. 
XXXX. I also want to report a breach of contract with fXXXX XXXX in regards to my security deed I attempted to resend my security deed because I never gave XXXX XXXX consent or consent to my securities interest so this is also security fraud I attempted several times to resend my security deed contract again I never gave XXXX XXXX consent or provided a gift of convenience to my security interest. 
XXXX. XXXX XXXX XXXX has reported inaccurate information regarding my account to the three credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 
4.misuse of Federal reserve loans I'm concerned thaXXXX XXXX XXXX may be abusing loans obtained from the federal reserve XXXX It appears that these funds are not being utilized in a manner consistent with the ethical banking practices, particularly in relationship to my account. 
XXXX. I also want to report abusive insurance policy ; the bank charged me while collecting on the insurance policy that was supposed to ensure my account this practice appears to be abuse of insurance coverage and has resulted in additional financial burden on my part.
Product: Credit card or prepaid card

I formerly held accounts with Chase Bank. After getting married, my husband and I decided to close all my Chase accounts ( checking, saving, credit card ). Some time later, I visited the Chase branch in the city I had moved to and asked to close my account. The teller emptied my checking and savings accounts and told me I was " good to go ''. 

Being my first time closing an account, I took the teller at her word and left believing that my account had been closed. However, I did not discover that this was not the case until months later while visiting my parents. Because my account was not actually closed, the overdraft fee to keep my account open was charged to my credit card. Since the teller had not updated my information, the paper copies of my bank activity were being mailed to my parents house who live in another city. When I finally received the letters, it was months later. Had my personal information been updated, I would have been aware of the error and fixed it immediately. I had not ever been late on a payment before. In XXXX of XXXX I went in person to another Chase branch to pay the fees and ensure that all accounts were indeed closed. The banker was able to waive part of the fees considering the circumstances but did not pay it in full. 

My husband and I are now applying for a home loan but this misappropriated penalty is negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

I identified items on my credit report that were the result of XXXX XXXX that needed to be BLOCKED
Product: Debt collection

The collection agency has continued to report this account on my credit report despite having been instructed not to communicate with me further regarding this debt. According to 15 U.S.C. 1692c, the collection agency is prohibited from engaging in further communication regarding the debt under certain conditions, such as when the consumer has notified them in writing to cease communication or disputes the debt.
Product: Credit reporting or other personal consumer reports

ive been living in XXXX for a long time and iam a victim of identity theft i found a lot of accounts that are fraudulent and not mine and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the 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, please remove them from my report they are farming my report and i contacted all of them and there was no response and they didn't care XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX I was charged an oops fee of XXXX XXXX I was charged a return item fee in the amount of XXXX XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX return item fee XXXX I was charged a XXXX oops fee XXXX I was charged XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX atm denial fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX atm denial fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged twice XXXX atm denial fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX. I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee XXXX I was charged a XXXX oops fee
Product: Debt collection

Ok I had to hang up on the lady today but us bank still trying to collect a debt that was forgiven and they issued me a 1099 c ... .I kept telling the lady on the phone the debt is forgiven and I got a 1099 c and still telling me I owe the bank over 16000 dollars and also I requested a title for the vehicle that got repossessed due to parking in a wrong spot and us bank still not trying to give me the title ... they still giving false info to XXXX about the balance and even they said once the debt is forgiven and got a 1099c the balance should still be XXXX and they steady reporting the balance I used to owe, but us bank need to get their priorities straight and know the difference between owing and the debt was forgiven ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Mgr ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate ( XXXX # XXXX )? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Payday loan, title loan, or personal loan

I applied for an installment/registration loan with Cash Time via there on-line application. The website stated everything could be handled online. Shortly after I submitted my application to Cash Time I received a call from the branch located at XXXX XXXX XXXX XXXX. XXXX, AZ. XXXX. The caller stated that they would be able to help me all I needed to do was visit the branch and bring, bank statements and pay stubs. I advised her that I had granted permission for them to view my bank statements and that my pay check was posted to my bank account. She still insisted I visit the branch even though the web site states everything can be done online and the funds can be deposited in your bank account by the next business day. I visited the branch and found out that everything I had been told was a total lie. I wasn't approved for the {$1500.00} I applied for they offered me {$200.00} and rationalized the decision by stating that I didn't have auto deposit for my pay check. If this is in fact a registration loan using my car as collateral then the {$1500.00} should not have been a problem because XXXX value is over {$5000.00}. This company is guilty of deceptive lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and remove them immediately in my report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit report agencies did not do a thorough investigation. I got my results back, and the credit reporting is not accurate as it should be according to the FCRA. 

All accurate information should be reported to the credit reporting agencies or it should be updated or removed immediately if investigation was not properly investigated and as a result, this is harming my credit report please remove this account immediately. 

There is different information being reported with the three credit agencies, and it should be accurate all the way across-the-board please remove.
Product: Checking or savings account

Hey Im a loyal customer at Bank of America my account have been negative for 6 to 7 months Because Another institution filed a wrongful Claim Against my Account They Claim a deposit was fraudulent with they deposit in my account. I contact the other institution to solve the issue Which it no debt with the other institution
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got preapproved for a new VA mortgage because I am shopping for a house. The day after, I have received phone calls after phone calls from supposed lenders. Some identifying themselves as working with the VA, or with XXXX. Some of the caller have been outright hostile, one even commenting that he had my social and date of birth all ready when I asked to be removed from the call list. When I tried to contact the three credit reporting agencies that must of sold my information without my permission I can not get anyone on the phone. But rather get bumped from automated message to automated message. If the credit agencies are in fact giving my Personal Protected Information out without my permission to unsolicited lenders I am extremely concerned.