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

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I do not recognize these credit inquiries and have asked for them to be removed. The bureaus did not remove them from my report, and I am providing an identity theft report. I am requesting they be removed because they are inaccurate and not mine.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

No changes were taken. I have already informed them that i am a victim of identity theft. I explained to them that i have never disputed the account as never late and therefore they need to make that investigation. I have always disputed that account as identity theft asking for reinvestigation and sending me results and artifacts but they are not following the law and proper procedures such as verifying wet signatures or deleting the account within 4 business days of receiving the paper work.
Product: Credit card

Discover card I have owned for several years never missed a payment never defaulted etc yet its been years yet they constantly deny me a credit increase also my credit score is above XXXX
Product: Checking or savings account

I received alerts on my phone that my card was used for Fraud for several XXXX XXXX  charges I did not make. I reported to chime that my card was used and I requested a new one. I made a claim for a dispute and days later I saw that Chime denied the claim even though I provided pictures.
Product: Checking or savings account

i received a letter describing an action taken by the bank involving my federal pension in connection with a bank product named 'cash reserve ', in which they initially bloacked my attempts to make payments on the account and then later garnished the full amount from account through no fault of my own and did not notify me of the problem but i did notice several attaempt so manipulate the account when the electronic deposit was made. the bank blockedmy attempts in person to allow me to make the required payment but instead sent me false and misleading information and continues to intervene in my account resulting in excessive and false statements concerning timely payments
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Fraud Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, address, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters by mail to the credit bureaus ( XXXX, TransUnion, and XXXX ) regarding errors on my consumer credit report beginning with wrong personal information. It has literally been over 6 months since I've been sending them letters month after month and they have failed to correct my credit report and remove the wrong information I clearly listed out for them in my letters. They have incorrect current and previous addresses reporting on my credit report that despite my multiple attempts to have them correct the issue they have failed to supply any information to me and have failed to verify those addresses and furthermore have completely ignored me. I am to my wit 's end and I do not know what else to do. I am in fear and devasted that I have information reporting on my report of places I've never lived or even visited. My biggest fear of all is identity theft, as is everyone. I ask that you PLEASE help me and make them comply with the laws and assert my legal rights. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX  Account # XXXX, has violated my rights. 

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 that consumer reporting agency cannon furnish an account without my written instruction.
Product: Debt collection

I recently received another letter in reference to an apartment complex. Nevertheless, XX/XX/XXXX, I was XXXX in that apartment complex by XXXX people. The apartment was aware because the security officer seen it and came to help in after being attacked. Furthermore, management property that was originally over the property stated to me that because of the XXXX incident that I have a right to leave immediately. However, I been receiving tactic letter and harassing letter. This account is not in my name. This account is associated with my baby mother. However, she does not owe as well because she left this complex in XX/XX/XXXX. Furthermore, I have checked my consumer report and this debt is not on there and I do not owe.
Product: Credit reporting or other personal consumer reports

This letter serves as my second formal complaint regarding multiple fraudulent accounts appearing on my credit report that are not mine. Despite my previous dispute filed over 30 days ago, these accounts have not been validated or removed as required by law. I am demanding immediate action to resolve these issues. The fraudulent accounts in question include DEPTEDXXXX XXXX Account # XXXX and # XXXX, appearing multiple times as duplicates ), XXXX ( Account # XXXX and # XXXX ), and XXXX XXXX XXXXXXXX ( Account # XXXX ). Issues identified include discrepancies in open dates and reporting details across credit bureaus, erroneous late payment histories, and false collection or charge-off statuses. These violations include 15 U.S. Code 1692g ( a ) - failure to notify me in writing within five days of reporting the debt, 15 U.S. Code 1681e ( b ) - failure to ensure maximum accuracy, 15 U.S. Code 1692g ( b ) - failure to validate debts, 15 U.S. Code 1681c-2 - failure to block fraudulent accounts, and 15 U.S. Code 1681s-2 ( b ) - failure to investigate and correct inaccuracies. Furthermore, under 15 U.S. Code 1681i ( a ) - failure to reinvestigate and correct inaccurate information within the 30-day period and 15 U.S. Code 1681i ( c ) - failure to include notice of the dispute in subsequent reports, I request the Consumer Financial Protection Bureau ( CFPB ) enforce compliance and exercise its authority to mandate the immediate removal and blocking of these accounts as stipulated by 15 U.S. Code 1681c-2. I request the immediate removal of these accounts from my credit report, written confirmation that they will not be re-reported, and compliance with federal laws cited. Failure to address this matter promptly has already caused me undue harm and damage to my creditworthiness, and I will escalate my complaint to the CFPB and pursue legal remedies if unresolved. Please treat this matter with urgency and provide a written response within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Credit card

Citi bank diamond card. This is XXXX time of company reducing credit limit to almost debt owed without reason or request in which causes harm to my XXXX XXXX. I have been member since XXXX. Most recent happen XX/XX/XXXX i made large payment of XXXX to reduce debt and they promptly responded by reducing my credit limit by same amount without cause. This action causes harm to my XXXX XXXX which limits my ability to engage in any other credit related activities such as opening new credit with great introduction offers that i could transfer debt to reduce interest to XXXX for XXXX to XXXX  months in which would give me time and ability to save money and pay off my debt. I think they are doing this in order to intrap me to there XXXX XXXX interest. My payments to all my creditors including this one is on time with no negative XXXX history yet my score drops to XXXX when they take these actions against me. This action i feel is preditory in nature in order to limit my ability to move my consumer choices around responsibly and save money in process. This is XXXX time they have acted in this manner to me and they have done the same to my spouse.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

A letter was uploaded Equifax XXXX/XXXX/15 to XXXX XXXX XXXX stating that the XX/XX/2015 payment was reported in error. They did not investigate fully or failed to change the reporting to reflect 30 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint. 

Bank records are available for review upon request. 

OCWEN LOAN SERVICING, LLC is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of OCWEN LOAN SERVICING, LLC 's products and services. 

1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the Ocwen Payment Receipt and Confirmation electronic document attached ). OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from OCWEN LOAN SERVICING, LLC . 

2. On XX/XX/XXXX, OCWEN LOAN SERVICING, LLC failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). 

3. OCWEN LOAN SERVICING, LLC consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ). 

4. OCWEN LOAN SERVICING, LLC sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by OCWEN LOAN SERVICING, LLC 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by OCWEN LOAN SERVICING, LLC .

OCWEN LOAN SERVICING, LLC needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

These are not my accounts accounts where opened fraudulently. I have know knowledge of accounts that are being reported on my credit. 

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

On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report.
Under the new law effective XXXX XXXX 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.
Product: Vehicle loan or lease

Ive reached out to the company numerous times Ive never had a car loan with sensible auto and its in my credit report Ive sent them documentation that I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax multiple requests asking for them to identify the random account number they have listed without a name for the original creditor or the collection company they claim owes the debt. It is the XXXX XXXX XXXX 's job to provide consumers with fair and accurate consumer reports. When requested, why is Equifax not providing me with the information I am requesting on an account they have decided to add to my report with no accompanying information? This is not fair and accurate reporting and this account needs to be removed for its inaccuracy.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding fraudulent personal information associated with my identity. Several accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress. I have been a victim of identity theft and have already reported this incident. This matter requires urgent attention, as it has negatively impacted my financial well-being and personal reputation. 

I request your immediate cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your swift attention to this urgent matter is crucial.
Product: Credit reporting, credit repair services, or other personal consumer reports

violations of FRCA and HIPPA privacy and discrimination. 

I am a XXXX veteran small business co. I have numerous XXXX. 

On XX/XX/2021, I apply for a discover business credit card online. I have all important information to Discover card service. I am unaware that Discover will put my personal credit. If I was informed from the beginning of the process then I would not have completed the application. 

On XX/XX/XXXX, I called Discover and pointed numerous issues and was told by representative that I should have know that my personal credit hard inquiry would be pull and that I was disapproved for a business credit card because I have been a member with discover for only 9 months and the requirement is at least a year in order to get a business credit card. Where was this information disclosed during the application process. They did not call to inform me of such things as a consumer. The representative informed me that I should have known which lead me inform her of my veteran XXXX such as XXXX and XXXX XXXX XXXX. I believe my FCRA right and HIPPA privacy were violated. The representative disregarded my XXXX and unwilling to work with me. I have asked her to make the exception and talk with the leadership. The rep stated no one at Discover will make an exception. How can a company this big is unwilling to assist a disadvantage small business owner. I believe that she forced me into disclosing HIPPA privacy and discriminated against XXXX veteran. 

Additionally, my credit were locked with all 3 credit bureaus requiring companies to validate that it was me. Discover did not do this because it gave me an immediate " disapproved '' without properly verifying who is on the other end. 

What would have it hurts for Discover to assist this XXXX veteran small business owner?
Product: Credit reporting, credit repair services, or other personal consumer reports

PROCOLLECT , INC opened the collection account on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX  for the amount of {$1800.00}. This company never contacted me until they reported me to XXXX  in XX/XX/XXXX. This is an unfair collection because I terminated my lease under Section 92.054 ( b ) of Texas Property Code due to an unlivable condition in my apartment unit that last for two weeks ( XX/XX/XXXX - XX/XX/XXXX ) due to electric outage and flood from the winter storm. The Texas Governor 's Office also issued a disaster declaration on XX/XX/XXXX. The apartment management was unwilling to move me to another unit without paying extra, which I have that right as a tenant. Additionally, water removal and moisture mitigation were improperly done, resulting in molds and more water. I decided to exercise my right and terminate my lease under Section 92.054 ( b ) of Texas Property Code, which provides the right to terminate the lease without penalty as well as to receive pro-rata refund of the rent and the security deposit. All I wanted was to have a place in a livable condition that this apartment complex failed to provide. 

I have also tried to dispute this report through XXXX  but without success. I believe that XXXX  has violated violated the Fair Credit Reporting Act.
Product: Mortgage

Approximately XXXX years ago the family living at XXXX, XXXX, SC XXXX left the home due to the back starting foreclosure. Over the last XXXX years the house has fallen in shambles. The grass has had to be cut by neighbors as well as the home owners association. There have been many instances of homeless people living in the home and staying only late at tonight to sleep. Also, children have been breaking into the house to play and vandalize. There is garbage everywhere in the interior of the home and garage. Repeated attempts to secure the front door have failed as the door continues to be broken into. This is a safety concern for the neighbors.
Product: Debt collection

this company radius filed a collection on my credit with no notice or contact. i have no idea what they are claiming, who sold them the junk debt, because I have no debt. They call a relative and asked questions about me without announcing themselves and its recorded. these are bad people.
Product: Credit reporting or other personal consumer reports

EXPERIAN is still reporting me as an authorized user on my wife 's ( XXXX XXXX ) XXXX XXXXXXXX credit card. 

XXXX XXXX asked the issuing bank to remove that authorizations several months ago
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed as this would be identity theft and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX any other address is not correct and will cause issues with my credit applications and me receiving my mail. The credit bureaus are required to report accurate information or this is a violation of my consumer protection rights known as the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX XXXX Social Security : # XXXX Mailing Address : XXXX XXXX XXXX, IN XXXX XX/XX/2020 I XXXX XXXX have made Multiple Attempts in the past year or two ( 2 ) to  Corret ( Wrong ) Postings on my Credit Bureaus. 

1 ) Professional Credit Services : Posting a debt of {$200.00} owed them. on my XXXX Bureau. It had been Deleted from my XXXX  Bureau. 

2 ) XXXX XXXX : Acct. # XXXX Posting a Balance of {$770.00} owed. Previously in XX/XX/2020 XXXX  Report Posted a {$0.00} Balance. According to FCRA, FDCPA Reinsertion of any alleged debt is illegal! But XXXX has.