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

My credit report contains several inaccuracies that are significantly impacting my credit score and hindering my ability to secure essential financial products. 

Specifically : Duplicate Loan Entries : Multiple instances of the same loan are listed on my credit report. This duplication creates a false impression of excessive debt, artificially lowering my credit score. 
Closed Account Reporting Issues : My credit report includes closed accounts that should have been removed in accordance with the Fair Credit Reporting Act ( FCRA ). The presence of these outdated accounts negatively impacts my credit history and limits my eligibility for credit. 
These inaccuracies are causing serious financial repercussions. I am unable to be pre-approved for crucial financial products such as home loans, car loans, and other credit-worthy valuables. This significantly limits my ability to achieve important life goals, such as homeownership and building financial stability. 
I request that you immediately investigate these discrepancies and take the necessary steps to correct my credit report. I expect a prompt resolution to these issues and a subsequent update to my credit score to accurately reflect my true creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.
Product: Checking or savings account

I was charged over 12 overdraft fees associated with deposits not being funded to my account until after the purchases were made from XX/XX/XXXX up until XX/XX/XXXX.
Product: Debt collection

I submitted a complaint to Halsted Financial regarding the text messages they have sent me attempting to collect a loan debt from check into cash company. There was a problem with my email getting a response from the complaint so I am resubmitting. Another agency called XXXX is attempting to collect the same debt and is on my credit report. As mentioned before, check into cash did not confirm of any debt owed and calls can be traced to verify that. The collections need to be removed from my credit report immediately. This situation needs to resolve. I am not at fault for any miscommunication.
Product: Credit reporting or other personal consumer reports

These studies are fraudulent, even though I have the authority to do so. I strongly recommend that you do a thorough investigation and remove this item from my credit report. We provide documentation to support your review.
Product: Debt collection

This debt is from XXXX, 13 years ago. I absolutely do not remember this at all and it is a XXXX cell phone bill. There is a statue of limitations on this type of thing and they are threatening to put me in collections from a XXXX debt I dont remember.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment was due on my Discover card. I had n't used it in await, so I forgot that I had sign up for paperless statements. I return from vacation to learn that payment was past due. Contacted them and was able to drop late fee. 
A month later I apply for a mortgage, I find out this late payment is on my credit report and is going to affecting my loan rate. I contact them to have them remove it from my credit report, and was told they could n't. 
This is a 30 yr mortgage. I feel this is very unfair. 
I do n't always make my payments on time. 
I paid off two mortgages.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"
Product: Debt collection

Nelnet/ Have you contact the original creditor to check to see if this is my debt? If you did, name and address and phone number of company of the original creditor.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

I filed a dispute with Chime regarding multiple unauthorized transactions on my account XX/XX/year> in the amount of {$840.00}. Less than 24 hours later Chime reached out to me stating the investigation into my dispute claim is complete and they found that no error occurred and deemed the investigation closed. Upon hearing this, I filed a rebuttal and asked that they re-investigate my dispute claim and I informed them I would be submitting new information in the following days at which point I submitted a police report backing my dispute claim. In response to me submitting police report Chime reversed their decision for some of the unauthorized transactions stated in my dispute claim, however, they denied some of the transactions as well which doesnt make sense seeing how all of the transactions in question were of the same time frame and involving the same person in question. I have reached out to Chime in regards to this matter however they have continually hung up on me without attempts to resolve the matter or escalate it to their investigation team and so I am submitting yet another complaint against Chime/Stride bank in hopes they will once again investigate my dispute properly and utilize the documents Ive submitted so they can see that errors certainly occurred and need to be corrected. 

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Product: Credit reporting or other personal consumer reports

" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "
Product: Debt collection

I had a club membership for XXXX XXXX and had to cancel it due to relocating. They stated I had to wait three months/ 90 days and I could cancel it I went into the health club physically signed documents to cancel the membership and they said everything was paidNow I have this on my credit when I paid. This is erroneous charges and needs to be removed from my credit report
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 XXXX account # XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX XXXXDept of Ed account # : 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am requesting that you will make further actions regarding this matter. I called XXXX/Experian/XXXX  after I purchased a credit report from XXXX XXXX on XX/XX/. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate informations on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them removed from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items needs to remove : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed XXXX {$180.00}.
Product: Credit reporting or other personal consumer reports

I was in the process of buying a house and i realized i had some damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i was a victim of Fraud i reported it to the XXXXXXXX XXXX XXXX. After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with XXXX, XXXX, & Experian for 8+ Months with minium removals & XXXX sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought XXXX, Experian & XXXX was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

My Suntrust/Truist credit card payments been set up to automatically draft from my Suntrust/Truist checking account since XXXX. I noticed the XX/XX/XXXX payment had not post. I contacted Truist immediately on Monday XX/XX/XXXX. I spoke with a rep she apologized there was a Truist system failure. She reversed the late fees and posted the payment from my checking. She verified future auto payments were not affected beginning XX/XX/XXXX. On XX/XX/XXXX I receya credit alert had taken place on my bureau files indicating a late payment from my truist as well as ovet limit after the representative had told me correcting their system area i am not over the limit. This XXXX point dip in my score is causing me significant harm in the middle my home mortgage purchase and closing. I contacted a credit card department manager XXXX at Truist. She can not reach out to the credit bureau to have this removed nor can she draft a letter stating in the history of my account, for this XX/XX/XXXX payment I have never been late since XXXX or over my limit. She was dismissive and the most deplorable experience since having a relationship with this bank since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold the VA mortgage loan to Carrington. Im not military. Im not even on the loan but ex husband is. I dont live at the house with the va loan and am being sued for foreclosure. I attempted to sell the house previously but realtor denied my right to sell and has a conflict of interest for business. I want the foreclosure dismissed and removed from my credit report
Product: Money transfer, virtual currency, or money service

On or around XX/XX/XXXX " permanent limitation '' was placed on my PAYPAL account which locked me out and stated that PAYPAL has mandated to hold my funds in amount of {$730.00} for 180 days. I tried to contact the Resolution Center to no avail. I called on XX/XX/XXXX and again XX/XX/XXXX. Nobody could tell me why my account was locked other than told a machine algorithm determined I am a permanent risk. There was no way for me to prove my identity, get a case opened, submit documentation or get help to resolve this problem. This is a mistake. I have had this account with absolutely no problems or issues for 20 years, since XXXX! I have committed no fraud and am a law abiding citizen and small business owner. The random action by PAYPAL has harmed my ability to conduct business. I am the sole proprietor of XXXX XXXX, XXXX XXXXXXXX ( my professional name ) and I lie awake with worry about the future. My PAYPAL and business email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed false and fraudulent information reported on my credit history. I am honestly disappointed and tired of scammers stealing identity and using it as there own! Only to hurt working class individuals like myself, livid!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXX XXXX Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian, XXXX and XXXX regarding a Public Record ( Bankruptcy / Ref XXXX ) that is being reported on my credit files. They have all responded that the information was verified and accurate, however I have contacted the court and their response is enclosed. It is clear they do not report or verify information to any credit bureau. Therefore the information that is being reported is false, and has not been verified, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act and 15 USC 1681. The following account on my credit report was furnished without my permission : XXXX XXXX This is a violation of my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681 section 602 A. The Fair Credit Reporting Act, specifically 15 USC 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, except for records of convictions of crimes that are more than seven years old. As such, the account listed above should be deleted immediately. 

I also found multiple billing errors on my credit report, which violates the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Specifically, 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I demand to see proof from the creditor bank account that I was marked late due to non-payment, as I was not notified 21 days before with a statement. As a consumer, I have the right to have these errors corrected on my credit report, and the items below should be updated accordingly. 

( *LATE PAYMENTS? ) If these accounts are not updated immediately, I will pursue monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability. I have already filed a complaint with the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Lastly, I did not authorize the following companies to access my credit report, and I suspect that these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX, XXXX. CA. XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX TX. XXXX XXXX- XXXX XXXX XXXX, XXXX XXXX TX. XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that there was a permissible purpose. Please remove these inquiries immediately.
Product: Checking or savings account

XX/XX/year> unauthorized use of my Wells Fargo debit card was used to make {$1500.00} of fraudulent purchases. My cell phone was hijacked. I contacted Wrlls Fargo within hours of discovering this issue. After 10 days they responded and did not honor my dispute. 

I have provided details of the hijacked phone. I discussed the fraudulent purchases of items Ive never before purchased from a company Ive never done business with. Wells Fargo refuses to honor my disputed claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

This communication is to put you on notice that you are furnishing inaccurate and incorrect information to my consumer report. The reporting of such inaccurate information has caused severe damage to my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. 

It is not my responsibility to make sure you are in compliance with the Fair Credit Reporting Act, however it is my responsibility to make sure every item is reporting to my consumer report accurately so that my credit report is equitable to me. So take notice! I am not asking you to verify the validity of this debt. After reviewing 7 CFR 1956.54 the code of federal regulations defines a charge off as he writing off of a debt and termination of collection activity without release of personal liability. THIS MEANS YOU MUST CEASE ALL COLLECTION ACTIVITY. I came across a recent IRS publication on the IRS website in which the IRS defines a charge off a gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following account inaccurate! 

XXXX XXXX XXXX XXXXXXXX XXXX account # - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to correct the incorrect reporting of an inaccurate account, this has damaged my credit and is not accurate.