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

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

XXXX has violated my rights on XX/XX/year>. 


15 U.S.C 1681 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 make 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 more than XXXX 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 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 make 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 more than XXXX 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. Delete inquires immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Suspicious activities on my XXXX XXXX XXXX report has led me to believe that someone is utilizing my personal data to open accounts with credit card companies. I would like to file a complaint to have these accounts removed from my credit report. I have included an attachment of all the accounts and new inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Equifax.com to monitor my credit report and score. Since XX/XX/2023 I am not able to see anything on my account with equifax.com. I can not see any of my credit accounts and I can't see my credit score even thou I am paying for a Equifax membership. I have called multiple times on XXXX and XXXX to have them fix this problem and they always tell me the will " escalate '' the issue. Yet, they do nothing about it. They were supposed to mail me a full credit report but I did not receive a full credit report only a score. The score that they mail me was different score than the score they reported to my mortgage lender who requested my information on XX/XX/2023. To my lender, they reported a different score than the score they mailed to me on the very same day. They are reporting the wrong information to my mortgage lender. When I try to access my account on equifax.com I am not able to see anything nor my score. Basically, they are not letting me have access to my credit report or score and they are reporting the wrong information and two different scores on the same day. This is affecting me in my ability to secure a loan and is costing me to have financial losses.
Product: Credit reporting or other personal consumer reports

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 This information is not correct and needs to be remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Indigo Credit Card. Got a card several years ago, never activated the card. Got it after my divorce, to have a line of credit to help my rebuild. Even though it was never activated, apparently I was charged {$99.00} dollars a year, that I wasn't aware of. Had to get new debit card, because old card number was hacked. So indigo was unable to process their {$99.00} dollars, and so now I have a hit on my credit score because of their immoral practices.
Product: Debt collection

We lived in an apartment for XXXX XXXX XXXX XXXX which apt name was XXXX  XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX the complex was sold to XXXX  XXXX XXXX. Because of Covid and the fact that DES unemployment had run out, we reached out to the City of XXXX for Emergency Rental Assistance. We moved out of the apt XX/XX/XXXX the date our lease expired. The new management was about to get paid for 3 months rent by City of XXXX but refused to renew our lease. On XXXX XXXX, XXXX the City of XXXX issued a check to XXXX  for {$10000.00}. This was for past due rent up until the end of the lease. When we tried to rent a house in XXXX of this year, XXXX, to our surprise we were denied. XXXX XXXX XXXX had placed 2 eviction court judgements in our credit profile. I obtained check info and payment from City of XXXX and found that the XXXX XXXX had got paid. When I contacted them I was told that they had not received a check and that they had no doubt that the check went to XXXX XXXX XXXX. That was not the case. I contacted XXXX XXXX XXXX, spoke with XXXX XXXX and she told me to get a copy of the cashed check and send to her. City of XXXX is unable to give me that copy but they were able to send it to XXXX. XXXX XXXX lawyers were able to vacate and dismiss the judgements. Next thing I learned that now XXXX XXXX has put a derogatory note on my credit and my partner XXXX XXXX credit for non payment in the amount of a bit over $ XXXX. We did not sign a lease with XXXX  and we owe them no money. I called the Collection agency and tried to explain this to them but they told me that XXXX XXXX and XXXX  have merged and that no, no one has received the payment for rent in XXXX. They would not let me explain to them anymore and cut me off the phone. This has gone too far because the money has been paid. XXXX  XXXX  has it but they are not willing to inquire in their accounting ledgers. This has damaged us because I have been trying to resolve this issue for some time already and we are having to live with friends, relatives, sometimes hotels because we are unable to rent a home or apartment due to these errors.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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: Debt collection

I'm getting these accounts on my credit at XXXX. 
I am very upset, because I have written directly to the companies ( XX/XX/2023 ) and sent them the police complaint in XXXX XXXX. These accounts were opened fraudulently and they say they are mine. When they are open with information from the United States that I have never lived. 
I have also written and called XXXX and nothing either. 
Who regulates consumer rights, I don't know, it's just that there is no one to protect me. 
XXXX XXXX XXXXXXXX XXXX Account Number XXXX .... 
XXXXXXXX XXXX XXXX XXXX. Account Number XXXX XXXX Account Number XXXX ATTACHED COMPLAINT POLICE IN XXXX 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 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) : # XXXX, ( ORIGINAL CREDITOR : ) : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX  / XXXX  : # XXXX have violated my rights.

The following are the provisions that protect me as a consumer 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: Debt collection

Hi my name is XXXX XXXX SSN # XXXX Birthday XX/XX/XXXX. I spoke with XXXX XXXX about a debt that wasn't mine from the beginning.On XX/XX/XXXX a third party contact and reported to my Cosomure report. Under law I did not give them permission or sign any disclosure for them to do so.I attempted to contact all three bureaus with the copies of my Police report through certified mail and still was ignored. This brings me to contact you being as the 3 bureaus seem to be above the law. Can you please look into this matter Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently became aware of this negative account on my report. I would like for them all to come because they are fraudulent.
Product: Credit reporting or other personal consumer reports

I have several hard inquiries on my credit reports with Transunion, Equifax, and Experian. that I did not authorize. Companies that I did not authorize to inquire into my credit are listed below. 

XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the 3 credit reporting agencys. XXXX, XXXX, and Equifax. I have been trying to get an error corrected on my 3 credit reports for quite some time now. I have 2 accts from " XXXX '' reflecting on my credit report. I have requested several times via usps mail for validation of this acct. These 3 companies are under strict laws that are designed to protect the consumer in instances such as this the law states as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I would like the 2 accounts that are listed as " XXXX  '' on my credit report with the 3 major credit bureaus be removed immediately as listed by law that must be filed. There is no choice in this matter moving forward.
Product: Mortgage

I purchased a home in XX/XX/XXXX, and purchased a XXXX XXXX policy on the home when I purchased it, paid through the title company. In XX/XX/XXXX, I switched carriers to Openly and paid the balance myself. XXXX XXXX sent a refund. On XX/XX/XXXX, I received a letter from the people my bank sold my loan to, Planet Home Lending, which stated they paid the new insurance policy premium. I called XX/XX/XXXX and was told it was due to them receiving a bill, however, my insurance company states they sent a XXXX dollar invoice notifying them of the change. I called Planet Home Lending again on XX/XX/XXXX and they are saying they submitted payment despite acknowledging that the letter was XXXX dollar balance due and they had XXXX regard for spending my money from my account without even looking at the balance due. Now I'm left holding the bag.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my XXXX report and none of those inquiries belong to me. I need to get this removed since this is affecting my ability to get a house loan and even open a checking account under my name. I need assistance with this as soon as possible.
Product: Credit card

I made a purchase through what I believed was XXXX on XX/XX/XXXX for XXXX XXXX Galaxy XXXX XXXX XXXX phones. It turned out the company I made the purchase through was under the name " XXXX XXXX XXXX ''. Zero payment information was sent to me and when I noticed my credit score took a hit I was able to find the payment information through XXXX XXXX. It turns out the payments were to be made through TD Bank. I can live with that hit to my credit report being I was partially responsible. What followed was an all out assault to my credit score. Auto payments were set up and I assumed I was good to go. XXXX comes along and I see another hit from TD Bank on my report. I call once again asking why and am told the automated payment didn't go through. The account had much much more then sufficient funds to pay. Then in XXXX and XXXX of XXXX the same thing happens and I am fed up with the company. I call to completely close the account and pay in full the remaining balance. When doing so I am given an incorrect amount to payoff. The company agreed to remove the following hits to my credit report. My credit report is hit yet again and yet again I call asking why I am still getting hits on my credit report after paying in full the complete balance. I was told " There's still a remaining balance of $ XXXX ''. I ask the representative why on earth would I would pay $ XXXX and leave such a low balance? No answer was given. I again paid off what I believed was the remaining balance. Nope, they again hit my credit report. I call again absolutely furious at this point and request the full payoff amount and am again told it is " $ XXXX '' I ask to speak with a manager and she gives me a different answer to the payoff amount. Finally got the correct payoff information and the account was paid in full. It still states I made payments till XX/XX/XXXX yet I have had the account closed since XX/XX/XXXX. The fact these are the only missed payments on my credit report speaks volumes about the company. I have tried to resolve this through disputes but have come up empty.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I launched an investgation via the webiste of Equifax to dispute a total of 4 errors that are listed under public record on my credit report. I was given a Dipsute Number of XXXX. 

Under the FCRA Equifax has violated the followingLaws : 15 U.S.C. 1681 ( B ) Equifax failed to provide accurate information as it pertians to me listed under public record on my credit report. Per XXXX XXXX this information could not be verified and therefore should be removed. I have enclosed the letter stating so. 

15 U.S.C. 1681i ( A ) Equifax has failed to notifiy me the consumer within the 30 Day period of my initial request of the investigation of any results. I am unbale to access the dispute number that was giving to me via email through their website. There is no record of my dispute at all.
Product: Debt collection

I am filing this complaint to report The CBE Group LLC for unlawfully attempting to collect a debt and improperly reporting an account on my credit profile. I have no contractual agreement with this company, nor have I authorized or consented to any transaction with them. Their actions violate my consumer rights under various federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : The CBE Group LLC reported a collection account on my credit report which is both inaccurate and unauthorized. I have never entered into any agreement or contract with this company, and they have failed to provide any documentation or proof of the validity of this alleged debt despite their obligation to do so under federal law. 

The collection account was added to my credit report in the middle of my home-buying process, causing tremendous damage to my credit score. As a result, I have faced significant obstacles, including potential delays or high costs associated with securing a mortgage. The timing and inaccuracy of their reporting have caused me financial and emotional harm, jeopardizing a critical life milestone.

Violations of Federal Law 1. Fair Debt Collections Practices Act * Section 809 ( 15 U.S.C 1692g ) The CBE Group LLC failed to provide me with proper validation of the debt upon request, as required by law. 
*Section 807 ( 15 U.S.C 1692e ) The company has engaged in false, deceptive, and misleading representations by reporting a debt I do not owe.

*Section 808 ( 15 U.S.C 1692f ) : Their attempt to collect a debt without proper validation is an unfair and unconscionable practice.

2. Fair Credit Reporting Act ( FCRA ) *Section 611 ( 15 U.S.C. 1681i ) The CBE Group LLC has furnished inaccurate information to the credit reporting agencies without verifying its accuracy. This harms my credit profile and violates my rights under the FCRA.

*Section 623 ( 15 U.S.C. 1681s-2 ) Furnishers of information, such as The CBE Group LLC , have a legal obligation to ensure the accuracy of the information they report. Their failure to do so constitutes a breach of their obligation.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  XXXX and I do not have a contract with PHNX FINAN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A bunch of inquiries appeared on my credit report without me knowledge or consent. 
these inquiries are : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX CAPITAL ONE, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX plus more.
Product: Debt collection

I am writing to dispute an error on my credit report related to my account with XXXX. Due to an accounting error, my account was inaccurately reported as late, which is causing a negative impact on my credit score. However, I have been in contact with XXXX, and they have acknowledged the error and agreed to update the account status to open and never late. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive tried multiple times to delete things off my credit. I was a victim of identity fraud! I would like to have all the items I disputed off my credit!
Product: Credit card or prepaid card

I got a Chase Ink business card in XX/XX/2023. I used it successfully for a few charges and then tried to purchase something from an online business based in XXXX. The charge was legitimate, and I completed it using another method after my Chase Ink card failed. That was on XX/XX/2023. 

Ever since then, my card has not worked, and no one has communicated why. I have called twice and been put on hold and falsely told someone would call me back. They claim the card is under security review, but they never 1 ) Asked me to confirm the purchase ( it was valid ) ; 2 ) Told me the card was under review ( I found this out by repeatedly calling ; 3 ) Told me I couldn't use the card ( it was declined repeatedly ; it was humiliating. ) To summarize, Chase refuses to 1 ) Tell me what the issue is ; 2 ) Fix the issue ; 3 ) Let me close the account. Additionally, I was just charged an annual fee for a card they won't let me use. 

I would like to close the account, have it removed from my credit report, and have my annual fee refunded.
Product: Debt collection

Re : Account # XXXX Amount {$180.00} To whom it may concern I did not receive my last two Re-file Prescription, two times I called XXXX XXXX and they said they were going to looking to the issue, but they never ever called or follow up with me. 
After talking to post office and my postman, they did inform me that, there are so many packages are missing in my track due to theft and after doing more investigations my neighbor couple doors down caught the thief with security surveillance camera ( see attach two photo ) I called XXXX XXXX and explain the situation and told them we do have the police reports as well, XXXX XXXX told me they will have my Re-file Prescription send over again but they never did, Now I am getting this none sense letter which is absolutely unfair, XXXX XXXX is the one at fault for not following up and report inaccurate information to agency, XXXX XXXX never contacted me after I contacted them three ( 3 ) times I am sending this letter with USPS certify mail with pictures attach, for unfair Collection and if I get harass by this agency or any other agency regarding this unfair collection I will exercise my federal Fair Collection Practices Act Rights XXXX XXXX Tuesday, XXXX XXXX, 2017 CC : XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries