23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to be a nightmare for me. I have been denied a home loan because Experian has erroneous collections on my report. This was removed as erroneous from company. Experian still has it listed
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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

I have no knowledge of this accounts, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Student loan

The company did not lower the amount and only did a forebarence measure. And the company still refuses to explain why the interest is significantly higher than the acutal amount owed.
Product: Credit reporting or other personal consumer reports

I received an email from Capital One that XXXX XXXX XXXX had reported this account as late to them. It was investigated by XXXX XXXX has being REMOVED FROM THE REPORTS.
Product: Credit reporting or other personal consumer reports

I have never been late in making my payments. I previously contacted the company, but they did not respond to my request. I am now requesting that the late payment reported for XX/XX/XXXX be removed, as it did not occur. 
Thank you for your assistance in these matters. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I received a hard inquiry that was made by Factual Data on XX/XX/XXXX and I did not inquire on this. Can you please help. This inquiry could stay on my report until XX/XX/XXXX and I would like to know why it was used and if it could be cleared. 

Institution Information : Factual Data Address : XXXX XXXX  XXXX XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX Thank you, XXXX XXXX
Product: Debt collection

I have bot contract with the third party IQ Data International IN. No proof of this debt inquired was not provided by this third party, and I am now being harrassed with daily calls. I have nothing to do with this account it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME : BULL CITY FINANCIAL SOLUTIONS ACCOUNT NUMBERXXXX ACCOUNT TYPE : COLLECTION DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if each credit bureau is reporting the following inaccurate information from this one account : * Date of Last Activity * Date Opened * Dispute Status * Account Status This is grounds for removal. 

Also, they violated my rights under : *15 U.S.C 1681 section 602A, which states I have the right to privacy XXXX15 U.S.C 1681 section 604A section 2, which states a consumer reporting agency can not furnish an account without my written instructions. 

My certified tracking for each bureau is as followed : XXXX - tracking # XXXX TransUnion - tracking # XXXX Also, I sent a letter off to each credit bureau on XXXX XXXX to update my personal information on my credit report. My right to privacy to have old information taken off was my main agenda, as I only wanted XXXX address on my credit profile. All followed, except XXXX. On XXXX XXXX, XXXX emailed me that my report was updated under report # XXXX. Unfortunately, multiple addresses are still being reported, even though I provided proof of my current address as instructed to do on their website. While they did remove 1 old address ( XXXX XXXX XXXX ), they only removed the apartment number from a different address only ( XXXX XXXX XXXX ), which is not what I asked for. All my current accounts, have my current address. 

These are all CLEAR violations of my federally protected consumer rights
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 XXXX Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.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

XX/XX/24 I applied for a personal loan through XXXX  in person. I havent signed any consent waivers yet, I was told they would email me the forms to XXXX. I gave verbal consent to my credit being pulled by XXXX  for the purposes of this loan. 

XX/XX/24 its currently XXXXXXXX XXXX and Ive received XXXX texts and XXXX phone calls from different lenders telling me the Consumer Finance Bureau flagged my application because I would be overcharged for my loan, and that TransUnion sold my data to them. They are able to recite to me my name, date of birth, home address, and last four digits of my social security number.

I dont know the names of every company that has called me, but the texts I received were from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe all three of them have also called me.
Product: Debt or credit management

Today, XX/XX/year>, I was on the Credit Karma app and viewed personal loan offers. The app said that I could find out what my rate would potentially be - risk free. There would be no hard credit pull and the companies would not be given my personal information for solicitation. I viewed the offers listed and closed out of the app without applying/taking the offer. Approximately XXXX hours later I received an email from XXXX informing me that my loan application was denied and they could not offer the rate offered. I contacted Credit Karma immediately and was told to monitor my credit for a new inquiry, then dispute it with the XXXX credit bureaus. They offered no explanation for why this happened, they did not offer any resolve on their part although it was an error on their part. I contacted XXXX and opened a fraud case. I was told that Credit Karma submitted a completed application, including all of my personal information with only my telephone number missing from the application. XXXX sent a follow up message stating that they canceled the application in their system. They state that they did not perform a hard inquiry on my credit report so no corrections to my credit history with XXXX is necessary. I will still have to monitor my credit on the other agencies, all thanks to Credit Karma 's " credit monitoring services and risk-free offers ''.
Product: Debt collection

NCB Management Services Account # : XXXX Balance reported {$23000.00} XXXX sent this creditor a certified, debt validation letter on XX/XX/2021 written thoroughly specially asking for proof of documentation of what I owed. I received a letter back from them dated XXXX stating that they were unable to substantiate the allegations of my dispute and provided me with zero documentation. The original lender is XXXX XXXX XXXX and when I contacted them via phone to ask why I had a collection charge off if my Gap insurance had paid this collection off they said, " I can see it in our systems that a payment was made but because the collection is now with NCB, we can't provide you with any proof because your account no longer exists with XXXX and so you must contact NCB XXXX " Prior to mailing NCB a letter on XX/XX/2021, I called NCB directly and asked for documentation supporting the balance they were attempting to collect on and was told by their representative and Manager that they didn't have any documentation and that I would need to contact XXXX directly. I have since sent out a dispute letter to all 3 credit bureaus explaining that not only did this account need to be deleted for not being valid but also needed to be deleted because there were MUTLIPLE inaccurate information being reported from all 3 credit bureaus which are grounds to delete account from my credit report regardless of validity due to inaccurate reporting. I have already started a separate dispute dated XXXX with XXXX and all 3 credit bureaus to also delete the charged off original lender XXXX account # XXXX off my credit report for inaccurate reporting and XXXX has since been the only credit bureau XXXX delete this account. I am mailing a 2nd dispute on XXXX to attempt to have it deleted from XXXX and XXXX too. 

If the original creditor is beginning to delete the original debt that was wrongfully added to my credit, how can NCB be allowed to report or attempt to collect on such a large and inaccurate amount? It's hurting my credit and needs to be deleted immediately!
Product: Mortgage

XXXX payments were sent to M & T BANK for XXXX XXXX XXXX BANK on the date of XXXX XXXX, 2015 in the full amount of {$270000.00}. However, M & T BANKXXXX XXXX XXXX BANK did not credit my account ( Account # XXXX ). In fact, M & T BANKXXXX XXXX XXXX BANK did not even have the courtesy to return my instrument. Therefore, this is an apparent case of tax fraud, racketeering, embezzlement and extortion. See attached Exhibits for further details. As a result, M & T BANKXXXX XXXX XXXX BANK is in violation of tax law as well as a few others such as UCC 3-603 ( b ), UCC 3-411 ( b ) & 31 USC 3302. 

As mentioned above, although a payment was made but was refused. According to UCC 3-603 ( b ), a payment refused is still discharged or settled. In addition, according to 31 USC 3302, custodians of money who or officials or agents not complying with subsection ( b ) of this section may be removed from office. 

Furthermore, according UCC 3-411 ( b ), " a bank which refuses to pay a dishonored teller 's check, the person asserting the right to enforce the check is entitled to compensation for expenses and loss of interest resulting from the nonpayment and may recover consequential damages if the obligated bank refuses to pay after receiving notice of particular circumstances giving rise to the damages. ''
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates. I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX  XXXX number XXXX payment late XX/XX/scrub> 2021 2021
Product: Credit reporting

XXXX should not have been a hard inquiry. 
I was told by the XXXX XXXX representative that it would n't be a Hard Inquiry.
Product: Debt collection

i XXXX XXXX checked my credit report and i noticed some fraudulent an inaccurant accounts on my credit.i then proceeded to reach out to the credit reporting agencies for remedy the situtation but would not help me correct these fraudulent an inaccurant accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$3500.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$85000.00} XXXX XXXX {$5500.00} NAVIENT XXXX {$4000.00} XXXX XXXX {$430.00} XXXX XXXX {$23000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX   XXXX {$2000.00} XXXX XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years .
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered several unauthorized accounts and transactions on my Equifax credit report. These accounts were opened without my knowledge or consent, indicating that I am a victim of identity theft. I immediately filed an identity theft report with the appropriate authorities to address the issue. Despite having no involvement with these accounts, they continue to appear on my credit report, and their balances are being attributed to me. 

I contacted Equifax to dispute these fraudulent accounts, demanding their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ). The fraudulent accounts and balances are impacting my credit, and I have taken every step necessary to rectify the situation, including submitting an identity theft report and notifying Equifax of the dispute. These actions, as required by law, should prompt Equifax to remove all fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, XXXX  and Experian it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.
Product: Credit reporting, credit repair services, 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 XXXX # inquiry date/ name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX inquiry date/name XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX  XXXX XXXX  XXXX XXXX inquiry date/name 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 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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 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 Original Creditor : XXXX XXXX BANK ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

It been over 30 days no response for XXXX, Transunion and XXXX on fraud account report.
Product: Debt collection

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XX/XX/XXXX which are FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

As the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXXXXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX