23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I sent Citi Bank a certified letter with a settlement offer in the amount of {$1000.00}. I explained my current financial situation and included terms that if the company accepts my check by cashing it they would agree that my account would be paid in full. The settlement check was cashed and now they fail to honor the terms. Prior to me sending this check my account was in a positive status and had never been late. My account has been reported as last to the Credit Bureau. Since XX/XX/XXXX I have been receiving numerous collection calls threatening legal action against me. I acted in good faith, but it appears that your company chose to act in a deceptive manner.
Product: Debt collection

Cancelled membership in XXXX 2019 and notified company by phone call and mail to STOP taking money out of my bank account after XXXX 2019. I'm owed a refund for any months taken without my consent after XXXX 2019 2019
Product: Credit card

I have called every time I received these letters and have talked to the fraud department and keep getting the run around. What I would like to know is if I am responsible for this amount. Once again I have not used this card in the last year and have not received any billing statements.
Product: Debt collection

Dear Sir/Madam, I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days. 
I demand the immediate removal of this account from my credit report if you fail to provide the requested documents. I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General if necessary. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting

After Chapter XXXX bankruptcy discharge, multiple judgments are being reported on my Equifax and XXXX credit reports. XXXX reporting agency removed these items from my report. I have been unable to have XXXX and Equifax remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to complaints on wrong information on my Credit Report. Following Addresses are inaccurate and not my current or correct address : XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. Following Inquiries are on my report that were not applied by me : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDXXXX ACCT # XXXX Date Opened : XX/XX/2015 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act 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.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is over 7yrs old and still remains on my credit from XXXX and should be removed from my reports and I have disputed it twice and the credit agency hasnt removed it and wont remove it when it should have been removed in XXXX of XXXX
Product: Checking or savings account

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I pulled my XXXX XXXX XXXX consumer report and noticed there are several inaccuracies reporting that do not belong to me. I have never opened an account with Wells Fargo and I would like these removed from my XXXX XXXX XXXX consumer report as soon as possible. 

Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX Account # : XXXX Routing # : XXXX
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 XXXX XXXX XXXX. 
XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ending in / XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX, XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  ending in XXXX, XXXX, XXXX. No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX section XXXX A states I have a right to privacy. 
XXXX XXXX XXXX section XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( A ) ( XXXX ) 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: Vehicle loan or lease

I believe that Chrysler Capital is in violation of the Graham-Leach-Bailey Act ( GLBA ) of 1999, which prohibits financial institutions from disclosing nonpublic personal information about their customers to third parties without customers ' permission. 

The selling of my nonpublic personal information to a third party, XXXX XXXX XXXX on XX/XX/XXXX was a clear violation. 

The Graham-Leach-Bailey Act also places restrictions on how companies use customers private data and requires companies to establish an opt-out policy for preventing some third-party sales.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was not given any information on how I can exercise my consumer rights in good faith.
Product: Mortgage

I previous had a alleged loan with XXXX XXXX XXXX and later discover they were in non compliance with the state Md. However they later transfer the alleged loan to Rushmore Loan Management Services, who later I discover that is not register or license as a third party debt collector or servicer to collect monthly payments {$2000.00} and to secure the alleged debt in the amount {$64000.00}. I receive a loan modification to filled out, I have questions and concerns of who is the secure party, who approve the loan modification and where is my money applied to far as the mortgage payments. I have sent debt validation notices to Rushmore Loan Management disputing the alleged debt. 
As going forward, I will be paying my taxes and insurance. Based on my research, the entire company needs to be investigated completely.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), a mortgage loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

i been the victim of fraud on the accounts that is in question i reach out the burears of all account to help clear me of the account starting with XXXX XXXX XXXX XXXX  2 times a XXXX XXXX  affirm 2 pay tommorow and 2 XXXX XXXX all is down in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have invalid incorrect data on my credit report due to a CREDIT FILE MIX WITH A PERSON WITH A SIMILAR NAME. I have contacted Experian about this merging of accounts that don't belong to me and addresses that I have never lived at, received mail, or recognized newly appearing on my credit report overnight. I demand for this information to be immediately deleted : Fraudulent ACCOUNTS THAT DONT BELONG TO ME : - XXXX opened XX/XX/XXXX - XXXX XXXX XXXX opened XX/XX/XXXX - XXXX/ XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX FRAUDULENT ADDRESSES THAT I NEVER LIVED AT/ BELONGS TO ANOTHER PERSON - XXXX XXXX XXXX XXXX nc XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX tx XXXX THESE ADDRESSES ARE ATTACHED TO ACCOUNTS THAT DONT BELONG XXXX ME BUT A PERSON WITH A SIMILAR NAME DIFFERENT SOCIAL SECURITY NUMBER! PLEASE HELP ME GET REMOVED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on credit karma and XXXX XXXX report. Inquiry is from XXXX. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call XXXX they tell me that it's not them and is on my report fraudulent to contact again credit bureau and credit karma.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX XX/XX/XXXX, I contact XXXX XXXX  to information of a change in my bank account information. During this call I also provided XXXX XXXX  my new account information for payment processing. 

On XX/XX/XXXX, I formally disputed the accuracy of the information that is being reported on my credit report. I kindly requested that they investigate these matters and correct the erroneous information as soon as possible with no response. 

The disputed information is as follows : -30 Day late payment XX/XX/XXXX -30 Day late payment XX/XX/XXXX On XX/XX/XXXX, I wrote XXXX XXXX informing them of the inaccuracies reported in my credit.
Product: Credit reporting or other personal consumer reports

someone is using my identity to get a student loan and a car loan and open a XXXX  cell phone account.
Product: Credit reporting

I have leased a vehicle in XXXX, MO from a dealer when we first moved to that state. The dealer did not give us information or any kind of explanation on tax. Later on we have informed that we need to pay around {$500.00} personal property tax for a vehicle that we dont own. We always pay the registration, licence, title etc. fees in other states. This is the first time I heard about that kind of tax. When I searched, in few states in XXXX they charge personal property tax for the vehicles that you own. But the XXXX that I leased is not my own property. The title is on XXXX XXXX XXXX. The Missouri law says if you lease a vehicle it is between you and the company. I also looked at my lease agreement, it does not state any kind of personal property tax info. The XXXX XXXX claims that they are paying the taxes for us and try to collect this money from me. I spoke with the financial supervisors at the XXXX XXXX XXXX to see how they expect me to pay a personal property tax for something that I dont own. They gave me no answer and asked me to pay it. At the end of the 3 year lease term they calculated about {$1500.00} tax money and give it to the collections and report it to the credit agencies. Please let me know what we can do about it. Thanks.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX my mom saw some charges on her credit card that she didnt recognize. They were made by me on my Venmo account. She called them in as fraud with her bank without checking in with me. Once I saw those charges were bounced I called my mom and told her to call in and say that she made a mistake. She called in and told her bank she made a mistake. Those charges were XXXX to XXXX XXXX, XXXX to XXXX XXXX, XXXX to XXXX XXXX, XXXX to XXXX XXXX, and XXXX to XXXX XXXX. XXXX XXXX XXXX account is frozen and needs to be unfrozen as soon as possible. I have continued to make the payments via the credit card and on XX/XX/XXXX the credit card sent a letter claiming that the fraud case was resolved. I have since emailed that letter to Venmo support more then 7 times. I have called Venmo 3 times a week since this has happened. They have given me the rundown each time, telling me they havent heard from my bank, telling me just to wait 1-3 business days and hanging up on me multiple times. I have repeatedly asked, pondered begged asking what they needed for me and they havent given me an answer Ot a time window for which this has been resolved. Their most common answer is they are waiting to hear from my bank and my bank has made it adamantly clear they have contacted them. I do know what to do left, and I hope you can help them accelerate this process.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX Tenant Screeners XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 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.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding several issues with my credit report that involve violations of the Fair Credit Reporting Act ( FCRA ), Consumer Protection Act, and Privacy Act. The details are as follows : 1. **Charge-Off Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has charged off accounts that were subsequently sold to third-party debt collectors. Despite this, the charge-off accounts are inaccurately reported on my credit reports.

2. **Inaccurate Reporting and Lack of Investigation : ** - I have disputed these inaccuracies with XXXX, XXXX XXXX and Experian. Although XXXX and Experian have removed the inaccurate collection accounts ( XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ), XXXX has failed to properly investigate these disputes and continues to report the inaccurate information. 
- The investigation and removal request with XXXX have exceeded 90 days, and there has been no resolution. This delay and the continued reporting of incorrect information are in violation of the FCRA. 

XXXX. **Emotional and Physical Impact : ** - The ongoing inaccuracies and delays in resolving these issues have caused significant emotional, mental, and physical distress. The erroneous information on my credit report is affecting my well-being and financial stability. 

I request your assistance in addressing these issues urgently and ensuring that my credit report accurately reflects my financial situation
Product: Credit reporting or other personal consumer reports

FTC IDENTITY THEFT REPORT ATTACHED. 
All 3 credit bureaus have not removed my 2 Capital One Cards # XXXX & # XXXX that were severely compromised by Capital One since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to XXXX, XXXX XXXX XXXX. 
Capital One closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards. 
37 times false billing line entries is identity theft and FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX XXXX Account number : XXXX* US DEP ED Account number : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by your company ( Equifax ) on ( XX/XX/2022 ) that account # XXXX with XXXX XXXX. was deleted from my credit report. 

I have realized that this same item was Reinsert onto my credit report! 

In Accordance with the Requirements of the FCRA section 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating Of previously Deleted Material ( ii ) Notice to consumer. if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is Reinserted in file, the consumer reporting agency shall notify the consumer of the Reinserted in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for the that purpose, by any other means available to the agency I have received no such notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this Account from my credit repot in order to avoid legal action, I will also fax this to the Consumer financial protection Bureau.