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. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on my credit report I was being told I had applied for a new capital one card on XX/XX/2020. I never applied for a capital one card on that date as I am perfectly happy with the capital one card I already have. The problem here is I had disputed this a few different ways and it won't go and is still showing up as a hard inquiry when this is fraud and never authorized by me. Under the fair credit reporting act 609 to my understanding since they can not prove I applied for card which I didn't they must remove this inaccurate information. When I spoke to capital one over a month ago as to what was going on they said that department who handles fraud and applications is not in due to covid. I asked them when they will be back they weren't sure. I had called a few times to resolve this but it has gotten no where.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report and discovered numerous inaccuracies in the negative accounts reported. This has not only negatively impacted my ability to obtain credit, but it has also shattered my trust in the banking system. I have been denied credit cards and home loans due to these inaccuracies, which have not only tarnished my reputation but have also taken a toll on my mental and physical well-being. There is no law that mandates consumer reporting agencies to provide information about a consumer, which is why XXXX outlined the importance of this role under 15 USC 1681 ( a ) ( 3 ). Furthermore, your company has failed to uphold fairness and respect for my privacy as specified in 15 U.S.C 1681 ( A ) ( 4 ). I am requesting valid proof and documentation that these negative items were thoroughly and fairly investigated. Additionally, please provide details on the system and criteria used by your company to verify transactions. Your actions appear to be in violation of several federal laws, including those that protect consumer privacy. I am giving your company the opportunity to rectify this situation by deleting these fraudulent accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I was never late on this account, the balance is incorrect. This is a good-standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX
Product: Credit card

My name is XXXX XXXX, I live in XXXX XXXX. I lived in XXXX, and XXXX prior. I've been trying to open an affirm account for the last few months and their is a XXXX account attached to my phone number. I've tried to reset this and change this on my end and no success. I've been calling affirm and asking for help on this and they have not helped me at all. I've never had an affirm account before and never signed up, so I was a little surprised when I saw my number was attached to a XXXX email address.I have never had a XXXX account. I've called affirm and they have stated they will escalate and call me back and no one ever calls me back. This is getting extremely frustrating as this is a service Ive been wanting to use and no one has been able to help me.
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 confidentially under 15 U.S.C 1681. 

Absolute Resolutions Inv - XXXX XXXX XXXX XXXX - XXXX ThXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 602 A. Sates 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 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, credit repair services, or other personal consumer reports

I was erroneously charged lease termination fees for a lease that was rejected in an approved modified chapter XXXX XXXX plan. XXXX and XXXX removed the collection from my account ; however, Equifax refuses to remove the erroneous information.
Product: Credit card or prepaid card

On XXXX XX/XX/2022 ha received a Vanilla gift card for XXXX dlls. On XXXX I used the gift card to pay some tickets for XXXX dlls. Last week I tried to use the balance of my gift card, but the I can't. When I call to the Vanilla company they told me that they had canceled my card possible fraud. I never have call to report any lost or fraud. 
When and ask what I need to do to claim my balance they told me that I need a picture of the card, and the receipt. 
When I explained to them that it was a gift that I dont have the receipt, they told me that if I don't have the receipt they can't give the balance of {$110.00} dlls. 
Is a gift card, I ask how many people give a gift card with the receipt? How many people keep a receipt after used part of the card? I need to ask a my company for a receipt when they bought one hundred cards for chritmas presents? Why? Why they canceled my card when I never call to notify fraud? 
Really, need your help, I think this is unacceptable, I can send a copy of my ID and the gift card but I dont have the receipt and I need my balance, I don't want to lose my money. Cordially, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently was a victim of identity theft, so I got a copy of my Transunion XXXX, and there were so many things wrong on it. I started with the different, spelling of names, addresses and phone numbers. Then I moved on to inquires. However, TransUnion sent me a letter stating that I need to contract companies to get the Unknown inquires removed. 
I think that If TransUnion is going to sell or give away information on me that their files should be correct, and that they have the obligation to make sure the information that they provide is correct, after al they are the ones making the profit off my information.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I Sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also, according to 15 U.S.C. 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Debt collection

This company Global Solution Biz has been make multiple calls to my telephone and text ( XXXX ) making false claims that I owe a debt that I have no knowledge of or received any alleged proof of original contract or authentic signatures or legal paperwork. All the contact has been over the telephone by text and messaging. 

They have threatened to bring legal action against me and claimed to have filed a UCC XXXX without any evidence or substantial proof. I have been dealing with identity theft since the tax return breach and there has been a fraud alert on my credit because of these such problems. 

I have responded to their text message and told them they were making false claims and they have the wrong number and information, since I have no knowledge of obtaining this debt! I have told them to cease all contact from my phone number. 

Furthermore, Global Solution has ILLEGALY disclosed/ published false information of the accused debt to other third parties creating public shame on two occasion that I have been made aware of the fact. I have submitted the evidence.. These two incidents occurred on XX/XX/2021 and XX/XX/2021 from telephone text of phone number XXXX. 
The practices of Global Solution Biz are illegal, fraudulent and degrading and this is why I am reaching out to your agency and making this public report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company violated my rights as per as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 18 U.S.C 1666B
Product: Credit reporting, credit repair services, or other personal consumer reports

Utility company improperly wrote off balance. Write off was reversed, with all bureaus receiving notice from utility company on XX/XX/2022. To date, bureaus have not removed the writeoff and despite calls, can not confirm if they have the reversal or note. 

Its been over XXXX XXXX  and no one seems to care about correcting this. 

I am being financially harmed and demand they reverse the write off as the utility company requested.
Product: Credit card or prepaid card

My account was closed around XX/XX/2022 with out my knowledge when I have XXXX percent payment history and always payed my bill on time. 

I just recently had a family member pass and I asked for helped regarding my minimum payment and was told there was nothing they can do if a certain minimum amount was not made. When they could help me with a lower APR, lower monthly minimum etc. I only found out my card was canceled when attempting to schedule a payment.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, TransUnion and XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ). The following account show inaccuracies Account Name : XXXX XXXX ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/2024, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under 15 U.S.C. 1681i. Under 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, anc remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. Thank you for your attention to this issue. Sincerely, XXXX XXXX XX/XX/2024
Product: Debt collection

" Midland Credit '' continues to harass me with at least one call every day, including weekends, evenings ( up to XXXX XXXX ) and early mornings ( before XXXX XXXX  ). Caller ID identifies the caller as " Midland Credit '' however a different number is used every time, making it impossible to block the calls. I have previously told them to stop calling me, however they continue to call. 

A few of the numbers that I received this call from are below. It is not exhaustive because they use a different number every single time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX If there is a debt owed, Midland Credit is not the original owner of the debt. I have contacted companies I have owed money to and made attempts to resolve through them. Midland Credit may have been sold a debt and will not stop harassing me.
Product: Debt collection

HELLO IM, UNAWARE OF THIS ALLEGED DEBT IVE NEVER RECEIVED PROPER NOTIFICATION TO DISPUTE THIS ALLEGED DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX- XXXX 3. XXXX XXXXXXXX XXXX- XXXX 4. XXXX XXXXXXXX XXXX- XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.
Product: Mortgage

My parents died and so did my brother and I was left to pick up all the pieces on my own. I was unware I had to go through probate because of the way the attorney created the trust for my parents. I went through several different attempts to obtain a loan and it did not work. I did not know why no one would explain until finally a title representative told me its because of the working on the trust. I am the last trustee on that trust and am now going through probate.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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

I got notifications from XXXX XXXXXXXX that a credit card was opened in my name and I reported this at the police station. I also notified the credit card company that this is fraudulent as I do not request this card. They also informed me that the card was now closed. 1 month later my credit score dropped with over XXXX. This is heartbreaking. Please assist The last time that I own a credit card from this particular credit card company was over 3 years ago. I informed them that I do not want to do business with them anymore and to cancel all card.
Product: Money transfer, virtual currency, or money service

XXXX Introduced free cash transfer between client. I made a transfer to a customer using his email address from my chase account using XXXX on the chase platform. The client is saying they never received the money. Chase saying they have proof the money was dilivered but due to privacy agreement they are not allowed to disclose the proof. I meed a legal document from chase or XXXX  that shows where the money went. XXXX is important to move money between people but the current dispute resolution is grosly inadequate. 

Thank You.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

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

Upon checking my credit report I noticed this unauthorized fraudulent account from XXXX XXXX. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period
Product: Debt collection

Wrote the company on numerous occasions asking them to investigate the account because that debt did not belong to me. company failed to respond or delete the collection.
Product: Credit card

I attempted to dispute credit card charges through USAA for charges made and I did not receive the service I was paying for. They chose to not believe me and still charges for this. They claimed they were valid charges even though I did not receive what I paid for. They requested documentation that doesnt exist. I can not prove whether I received what I paid for or not as it was a digital purchase. Ive been a member for a long time and this was my final straw. All Charges my account from XX/XX/year> to XX/XX/year> are essentially fraudulent charges as I received nothing and was charged for it.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or 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.