23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Why not lease it. In XXXX at the start of Covid I was leasing a house in XXXX Tennessee. The stove went out and I had 2 grandchildren and my son living with me. I tried to purchase a stove from several places but all of them were out of stock due to the pandemic. I found one thru Why Not Lease it and put in the order only to receive notification that it was back ordered and I would be notified. Because of the pandemic, and restaurants closing and services were scarce, it was impossible for us to prepare food with no oven, so I started looking for an oven I could get right away. I found one at XXXX, a furniture/appliance rental store and was able to purchase it with cash and it was immediately delivered. I immediately notified Why Not Lease It to cancel the rental since I just purchased the same one and was able to receive it immediately. Some time later, I started receiving notices from XXXX stating they would notify me when it was received, so I contacted XXXX and was directed to a warehouse for XXXX in XXXX Mississippi. I called every time I received a notice about shipping and advised the order was cancelled within days of placing it with Why Not Lease It. Fast forward to XXXX when it was placed as a collection item with the credit bureau. I filed a dispute, asking they show proof of delivery for the oven. It was never delivered to me or ever picked up by me. Now I received notice that the negative item is staying on my credit report. I cant be charged for an order cancelled and not received. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the XXXX account for {$900.00} from XXXX XXXX that appears on my XXXX credit report. This account is not mine and is a result of identity fraud. The same account has already been investigated and removed from my XXXX and XXXX reports. This company is reporting fraudulent information on my credit report. 

I have communicated with XXXX multiple times regarding this matter, submitted requests for purchase agreement or removal, and provided documentation of the identity theft. Despite my efforts, I have not received a response or resolution. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, reporting inaccurate or unauthorized information on a credit report is illegal. 

Additionally, I had a credit freeze in place due to prior incidents of identity theft, making it highly unlikely that I authorized or incurred this debt. I am not liable for this account, and I request its immediate removal from my credit report. 

Please confirm receipt of this dispute and provide written confirmation once the account has been removed. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) if this issue is not resolved promptly. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to Equifax I sent them communication letters regarding the errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters on XX/XX/2023 to XXXX, XXXX, and TransUnion regarding problems on my credit report. There is a female name reporting, XXXX accounts reflecting false late payments, and unauthorized inquires. I asked them to remove these issues and i did not get any answers. I have been patiently checking my credit reports, but the problems are still there. On XX/XX/2023, I sent another set of letters, but I am very frustrated that I am being ignored. These issues are hurting me as a small business owner and preventing me from expansion of my company.
Product: Credit reporting or other personal consumer reports

its very upsetting and has left a disturbing and distained feeling after viewing my credit report and seeing several fraudulent items on my report as an act of identity theft. a comenitybank card, apple card, cbna card and embark card, i did mot authorize these accounts, and they were updated to my credit report without my knowledge or permission. under 15 US code 6802, financial institutions are required to protect my personal and under 15 US code 6803 they must inform me of thier policies to safeguard my data with a clear and conspicuous notice. these protections were not followed, allowing my information to be stolen and used. according to 15 US code 1681c-2 i have the right to block accounts related to identity theft from my credit report within XXXX  days of you receiving this complaint. these fraudulent accounts are damaging my credit report and effecting my ability to purchase a home for my family. i am requesting you to remove/block these fraudulent accounts from my credit report.
Product: Debt collection

XXXX people went into a store on XXXX XXXX in XXXX, NY in XXXX 2015 and bought phones worth {$4700.00} using my SSN and Driver 's license. I was in XXXX at that time and called repeatedly to rectify the problem once i got to know about it but nothing happened even though i called the collections agency, credit bureau. 

I had only XXXX account with XXXX which i suspended after paying all the dues. I called the store but they said that they can not help me. I think the store they went to was XXXX. I also tried calling the collections agency, they said that they will provide me with a packet which would have all the info but nothing happened. I recently came back to United States and I am trying really hard to maintain and increase my credit score, things like these are going to seriously put a stop to my credit score.
Product: Consumer Loan

I purchased a car in XXXX and got a loan fm Capital One. 5 months later ( XXXX ) I receive a letter indicating Capital One will share my personal information ( soc sec #, income, account balances ) with their affiliates. If i choose not to share, I need to contact them to opt out, which I just did. When I spoke to the rep and asked whether my social security information had already been sold to third parties since my loan started 5 minths ago, he indicated yes that information has been sold. My question is " is n't it illegal to sell people 's social security numbers ''? It increases fraud, and I do n't think companies should profit off of selling other 's confidential information without their consent. 

The rep said now that I contacted Capital One, they will stop selling my information for marketing purposes, but it 's too late. They aold my information to a third party, and now that third party will likely sell to another party. Capital One is in ore than the loan business. They are using it to take other 's confidential data and profit off it. Meanwhile, I have the concern of identity theft. I think there should be laws to punish companies that share people 's confidential data without consent. I would like to know where the CFPB stands on this issue and what are my options at this point? My info has already been shared with many I 'm sure. Had they sent me the letter in XXXX, when I got the loan, I would have opted out. They waited 5 months and after they have already sold my information to send me this letter. Shady, very shady company.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$53000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$6500.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX BANK N.A. ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$690.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting false information Under The Fair Credit Reporting Act, 15 USC 1681 section 602 a, which explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy.

" As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. Under 15 USC 1681 section 604 a section 2, 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' I have not given my written consent for Equifax, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution Equifax not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' Equifax never informed me of my right to opt-
out of information sharing.

Equifax reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures.

I am exercising my right to opt-out of Equifax reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information. I did not Authorize nor give my written consent to furnish these non account number transaction/ Inquires please remove Inquires at once. Equifax has not provided me with a physical original document of my signature giving to your company to furnish on my report. No changes has been made to my credit report their prior investigation CFPB XXXX no changes were done.
Product: Credit card

I had an account with Target XXXX Bank Account XXXX and was charged off. They sold the account to XXXX XXXX Account XXXX and it 's reported as a collection account, this is a double reporting that is called double jeopardy, double damage to my credit report, I have been disputed this double reporting with other creditors and everybody else have removed XXXX of the accounts just Target and XXXX XXXX are really hard to deal with.
Product: Credit reporting or other personal consumer reports

It appears that the party in question has violated the Fair Credit Reporting Act ( FCRA ) by unlawfully accessing my consumer reports from XXXX, XXXX, and XXXX without proper authorization or permissible purpose as outlined in the FCRA. As a consequence, they are potentially liable for actual damages, statutory damages up to {$1000.00}, and punitive damages. I am open to resolving this matter amicably without admission of liability. I request that the party in question ceases accessing their consumer reports and remits {$1000.00} to their my within 14 days of receiving this demand. Upon receipt of the payment, I will consider this letter a general release of all claims herein.
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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I wrote to this company about this debt.ask the company to send me a validation of this debt back in XXXX Of 2021 after I saw it on my report .company has violated all my rights under 12CFR 1006.34 section C account number XXXX acima Digital fka simp
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item on my credit report with Transunion. There was an XXXX XXXX card ( which is my account ) reporting that the limit on my card was {$5000.00}. My actual limit is {$11000.00}. I submitted my dispute and stated that the terms were incorrect. Transunion removed the account from my report altogether. This account had a positive impact on my score while I 'm in the midst of trying to obtain a mortgage! I called Transunion and they told me to contact XXXX XXXX to request that 's it 's added back to my report. I was told by a rep that Transunion will not allow them to reinsert the item onto my report.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the accounts listed below has infringed upon my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

Failure to provide original contract with the original creditor, Inaccuracies being reporting and a list of other violations that are against the law of the Federal Reporting Credit Act. 

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. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These inaccuracies are hindering my ability to secure new credit cards and acquire a home for my family. The presence of these inaccuracies on my credit report is contributing to ongoing financial strain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Complaint about lack of credit reporting : Approximately around XX/XX/XXXX, I noticed on my XXXX app, my XXXX XXXX Credit Card information had been deleted from my TransUnion Credit Report. 
Both XXXX and XXXX continue to reflect the XXXX XXXX Credit Card Account which has perfect payment history. Please dont confuse the credit card with my XXXX XXXX Car Loan. 

I have been treated like a ping-pong ball between XXXX XXXX and TransUnion for more than 5 months. They both blame the other for the error. I have been told month after month by XXXX XXXX the account will be restored to my TransUnion file. Only to find, after the first of each month, there has been no change. Absolutely unacceptable! 

I request my XXXX XXXX CC history be restored to my TransUnion report immediately, as I am applying for a mortgage in the VERY near term and want the best credit score possible. 

This needs to be correct in time to reflect on my XX/XX/XXXX report. If a MANUAL CORRECTION is necessary so be it. My 3 credit reports as of XX/XX/XXXX are attached. 

My next step is to file a lawsuit. Ive been more than tolerant of the idiocy. 

Thank you. 

XXXX XXXX XXXX
Product: Debt collection

Telemarketing scammers of Portfolio Recovery XXXX are trying to shake me down for imaginary, non-extistant debts. These vicious telemarking criminals are calling from about XXXX different telephone numbers.
Product: Mortgage

Hello, I am asking the Consumer Financial Protection Bureau for assistance with reference to my mortgage/home loan. 
I am a victim of predatory lending and now my home is in jeopardy of Foreclosure. I am trying to resolved this matter with the current loan servicer, Ocwen Loan Servicing LLC, and XXXX Solutions. 
I have made multiple attempts to secure an affordable mortgage payment based on my outstanding loan value which exceeds the current value of my home. 
Due to multiple service handlers, lack of proper communication, XXXX servicer inconsistencies, excessive fees and other circumstances, which has forced me into this position of mortgage/loan arrears. 
As a consumer, i feel that my rights have been violated and I am seeking some assistance with this matter. 
Attached is a full letter explaining the details of my complaint. Thanks for your help.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. This account continuously shows up my account past the XXXX  date XXXX/XXXX. Which is illegal. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXXIn accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Checking or savings account

Truist offered a {$500.00} bonus to open a checking account with direct deposits. I met the requirements but the offers page says " The participating checking account was closed before qualifications were met. '' My account is still open and I can log in and see my deposits. What's wrong with their technology?
Product: Credit reporting or other personal consumer reports

My student loan was in forbearance, and it was inaccurately reported as late. The forbearance was reinstated on their end, but still showing as late on my credit report, and decreased my score significantly.
Product: Debt collection

I received an unsolicited health information letter from the University XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX in XX/XX/XXXX. I did not read the letter. I did not complete a questionnaire. I did not sign anything. I did not check any boxes. I threw the letter into the trash as I do all unsolicited mail. Now, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX, a collection agency, is demanding payment for {$16.00}.