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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was in an accident which was not my fault in XXXX. I just took out loans on a brand new XXXX XXXX XXXX. We did not even have the vehicle for a month. No one notified us we had any outstanding balance until XX/XX/2018. We were told from XXXX XXXX that it was taken care of in full, we owed nothing. We contacted XXXX in XXXX, MA and they said they would take care of it. We heard nothing until XXXX from a notice dated XX/XX/2018 claiming we still owed XXXX. I asked them WHY and if they could send an invoice. They claimed they can not tell us WHY. So WHY should we pay a bill that we can not see WHAT we are being charged for? I called the dealership and the " manager '' said that the VIN number was wrong. She refused to also tell us WHAT the bill was for. I feel this is illegal especially because we do not know WHAT or WHY we are being billed this amount. They are threatening to take action if we do not pay this amount within 10 days. We do not have the money to pay it at the moment, and we were told we owed nothing by the other person that works at the dealership and he would take care of it.
Product: Debt collection

Several years ago XXXX bought out XXXX XXXX co. I paid my final bill off with them. XXXX takes over and my bill goes up but I pay them faithfully for past several years.Well my credit score dropped XXXX points in the last 2 days. I go online to find out an credit collection agency ERC has posted a unpaid debt of XXXX with all credit reporting agencies. When I called them about this they said it was XXXX, filed this against me and they did n't know what it was for. 
I went to XXXX and they said it must have been an old bill, when I requested them to give me proof of this they had none. I paid those folks off before XXXX took over. But what 's worse is they sent me a bill marked XX/XX/2017 which clearly states I had 30 days to dispute this charge today is XX/XX/2017. And they already reported this to all the credit reporting agencies. I am livid about this I tried very hard for the past 10 years not to have any negative credit issues and there about to do this as easy as taking candy from a baby. My complaint is ERC and XXXX. Why can they exhort consumers and get away with it. Something needs to be done about them, they do n't even have to prove anything. If I brought a case against them claiming they owed me I would have to prove it! 
Why do n't they have to? Why are they allowed to ruin someone 's credit? It took me 10 years to build it up!
Product: Credit reporting or other personal consumer reports

According to Section 604 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose, such as explicit consumer consent. I have not provided consent for these inquiries, making their presence on my credit report a violation of the FCRA. For TRANSUNION. 

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 XXXXXX/XX/year> I have already attempted to resolve this matter by contacting the listed companies directly but have been unable to receive meaningful assistance. Therefore, I am requesting that XXXX immediately remove these fraudulent inquiries from my credit file. 

If this matter is not resolved promptly, I may escalate the issue through additional legal channels as permitted under the FCRA, including potential claims for damages for non-compliance under Section 616 ( Civil Liability for Willful Noncompliance ) and Section 617 ( Civil Liability for Negligent Noncompliance ).

Thank you for addressing this matter promptly. I have attached supporting documents, including my FTC Identity Theft Report, for your review. Please confirm the removal of these inquiries at your earliest convenience.
Product: Credit card

Many charges were made on my credit card from a company that i do not have a account with. The charges were made by XXXX XXXX and XXXX XXXX. I have NEVER had a XXXX XXXX or XXXX XXXX or any XXXX account. I explained to Discover customer service representatives more than once I did not make these purchases. I live alone and do not allow anyone to use my Discover card. The total amount of unauthorized purchases totals approximately {XXXX
Product: Checking or savings account

Bank of America said to call the XXXX XXXX XXXX XXXX firm about Legal Order Fee, XXXX XXXX XX/XX/2023 {$86.00} {$1.00} {$2.00} {$7.00} {$2.00} {$7.00} Bank of America is taking " fees '' without my consent. 
Bank of America said they would not return the fees and would not help me understand what the fees were from.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very clear that Transunion is providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX  XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

For any account that is alleged to be derogatory, I would like evidence showing why the credit bureaus and the company that provided the data to the bureaus consider the financial status of the liability under the law that the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ) allows for a violation of both FRCA AND FDCPA. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation ) I requested the following account be put in disputed status and the never were. XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I contacted XXXX because they had contacted an out of state family member saying they were going to put a lien on me ( this person was XXXX unknown last name ) I called XXXX XXXX pm ) and spoke to an individual named XXXX who said he was from commonwealth law firm and very aggressively told me that this was for a XXXX XXXX XXXX from XXXX and as I asked for a validation of debt letter or any communication at all because I advised him I had not received anything in the mail, he said if I send you something in the mail its going to be a summons to court. So I advised that I would look into this and contact him tomorrow ( XX/XX/XXXX ) between XXXX and XXXX pm. I used the time after the phone call to check my credit reports and did not see this anywhere. This creditors name was previously on my credit report but I disputed it in XX/XX/XXXX because again I do not know of this debt. It as removed from my credit report as I assume it could not be validated with them either. So on XX/XX/XXXX I called this number back ( XXXX am ) and spoke to XXXX and again explained that someone called and I wanted a validation of debt letter sent to me according to the fair debt colllection practices act, he then said he would transfer me to who I spoke to yesterday and I said to confirm youre not going to send me a letter with this information. He said we will just take you to court and show you documents then, then transferred me in the middle of talking to a voicemail. ( Since TN is a one party consent state I did record this call ). I believe this to be a scam and even if its not if I did owe a debt from XXXX it would be past the XXXX of limitations, which is 6 years in TN.
Product: Credit reporting or other personal consumer reports

I talked to several reps they told me what my balance was I paid XXXX. I received a delinquent notice on my credit report. I talked to the supervisor he said he dont know they sent my account to delinquent cause I wasnt late. I live in a low income housing I am due for an upgrade but they go off of credit score. Cause of this issue I might be homeless. You 7 days to write to the credit bureaus to remove this delinquent or I willing be filing a lawsuit
Product: Credit card or prepaid card

I pulled my credit in XX/XX/XXXX and discovered Capital One had reported many late payments on my credit file. I called them, and they found that billing statements had not been sent to my house nor had my online profile been properly setup, so I wasnt getting the correct information. As a result, they agreed to remove XXXX and XXXX inaccuracies and investigate the remaining negative reporting. I called today to follow up and they are not willing to fix the other late payments to this account. All the late payments from XX/XX/XXXX until this year should be updated as paid as agreed. I am filing a complaint to the CFPB since Capital One has failed to honor the agreement to get these items fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX is report an inaccurate amount which i have conirmed with the lender they did not due. They also confirmed that they do not report before the statement closes, which in this case is on the XXXX of every month. They has sent an investiagation as well but this has affected my score and my uilization and a violation under the FCRA. 

I also have a bank statement that confirms this amount should read {$2000.00} and i spoke to a representative today at XXXX name XXXX XXXX XXXX who confirmed this an error not by them.
Product: Credit reporting or other personal consumer reports

This account never been late XXXX XXXX XXXX XXXX  number XXXX. I have attach the proof of my on time payment. 
It has come to my attention that there are errors on my credit report. Case law in XXXX XXXX XXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or fix it. I am demanding the proof be provided that these accounts are in fact late or removed late payment. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. Please make the requested corrections on the following account XXXX XXXX XXXX XXXX number XXXX Please note that I have opted out in writing of your forced arbitration terms and that I am willing to seek legal relief. Please provide me with an update report within the 30 days established by law
Product: Credit card or prepaid card

On XX/XX/XXXX I lost my wallet which had a couple of credit cards inside of it. After I called and let you guys know that my wallet was lost and so were my cards so I would need you to stop the cards from being able to be charged, I was told don't worry you wont be responsible and we're going to close this account as well as send you a new credit card. There were other that I had to call that did the same thing except XXXX XXXX  & Citi Bank. XXXX XXXX  told me I need to go a branch location with my ID to prove that I am me, and they will send me a new card. When I did that to verify my identity they told me my account is closed and I need to reapply. When I asked why they said they had no idea only that I need to reapply and asked me if I want to do that and I said no. When I came home and checked my credit report I saw that XXXX XXXX pulled out my credit reports which is another hard inquiry on my reports without MY authorization. Citi Bank didn't get me any information, needed provided me with any paperwork or explanation, they just said my account is closed permanently and they can't do anything about it. ( I have police reports and it makes no sense since obviously everyone in the world will lose things at some point in time. )
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle handling of disputes particularly in light of recent lawsuit with CFPB. Despite using Zelle frequently anytime claims were submitted Zelle and my financial institution failed to investigate my claims throughly. Lost funds can not be recovered if sent to the incorrect person and tracking the transaction is unfeasible. Zelle has neglected to protect customers and has allowed repeated offenders to continue using the app to exploit the system. There is a lack of transparency and accountability within this app.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit reports with XXXX  and XXXXthe account is my fathers we have same first and last name but different middle names.my father has contacted shell Citibank and paid balance in full and explained that they have mistakenly put on my credit report.they have failed to do this with many phone calls leading to nothing starting in XX/XX/XXXX to present Ive filed disputes with XXXX and XXXX  ending in no help.the account was opened in XXXX I was born in XXXX
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, CoreLogic, XXXX, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Credit reporting or other personal consumer reports

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next XXXX  days. Attached are the relevant documents for your review and reference.
Product: Student loan

Navient has a practice of stating a loan is past due on the due date. This practice results in the next monthly payment being added to the amount due and records the " on time '' payment a day later, as if it was late. This also cause confusion and anxiety when you knowingly pay your bills early or on the due date and you open the website to find that it says you are past due and owe double. For example, I have 2 loans due on the XXXX of the month, and if I enter to pay on the XXXX of the month ( I do this before noon so there is no doubt that it was early enough to not be the end of a business day and to account for different time zones ), my statement says my loans are past due and the amount due is double. Further, when I make the payment, it posts the payment the next day, as if I was late making the payment. If a payment is due on the XXXX and paid on the XXXX, it is not and can not be a late payment. If a payment is due on the XXXX, it can not be late until the XXXX. I have reached out to Navient and asked them to stop this practice as it is deceitful and anxiety causing. Navient 's response was to say the payment and posting of the payment must be on the XXXX. Navient decides when the posting happens, in spite of making the payment early on the XXXX ( before noon ). Navient 's response does not address why the live website states the payment is late on the day it is due. And, even if paid on the due date, the payment will not post until Navient decides to post it. Therefore, even if a borrower pays on the due date, Navient will post on a different date, which gives the appearance of the payment being late. Also, stating that a payment is late on the due date and showing the current and next month 's payments as " Due '' results in many borrows believing they owe double for the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights . 
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.
Product: Money transfer, virtual currency, or money service

I have provided several ( Applications ) to American Express which was provided as collateral security to which I have yet to receive any Benefits from this transaction and I have exercised my rights in good faith and still being denied an extension of my own credit. These are violations of TILA and is considered discrimination on American Expresses behalf. This has caused me not to be able to provide for my family caused great stress not able to get adequate transportation or adequate living which has cause me to become homeless. My life may be in danger due to the fact that I am not getting access to the benefits that I should have received for providing collateral security ( Application ) along with my SSN ( credit card ) and have yet to receive any benefits. I can prove that the lien is between the issuer and the depositor which apart of the same company, also I can prove they are selling securities on the secondary market.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and have never had any contract with the following companies. I MUST DEMAND the original promissory note, and not a copy of a contract or statement coupon. In reference to caselaw XXXX XXXX XXXXXXXX, the absence of a valid promissory note would, indeed undermine any cleaning to any assumed that. No promissory note means you have no valid claim. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires present meant of the account in general ledger statement, signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. ( XXXX ). The following accounts be removed pursuant to FCRA 605B and title 15 USC 1681 c-2. Any attempt to collect a debt is actually alleged indirect action. May be held liable pursuant to title 15 USC 1681n and 15 USC 1681o for willful or non-willful negligence the following inquiries were never consented on my behalf and i never gave permissible purpose. 

INQUIRIES ; Account name 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 XXXXXX/XX/XXXX
Product: Debt collection

Called my place of employment. The caller said that this was a personal business matter and asked for my social security number twice and then asked for my birthdate to comfirm it was me that they needed to speak with. I asked the caller what does this pertain to and his name and company who he is with and he would not tell me until I gave him my social security number and birthdate. I told him that this is a scam and I am not giving such information out and I told him to stop calling or I would report him. I work for the government and this caused a security breach within my department due to the nature of this call. I was highly embarrassed and my supervisors are all concerned due the the nature of this call.