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

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

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

15 U.S.C 1681 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

Didn't realize interest is compound daily at XXXX. Already paid back initial loan of {$1500.00} plus interest. XXXX XXXX XXXX is XXXX and loan # is. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX states that I owe them {$2.00}, XXXX to a credit card that was open in XXXX. I have resolved the amount and it was closed on XXXX. The credit card hasn't been valid or shown on my credit report until recently. I have tried calling XXXX and also called the company that holds the account recently which is Portfolio Recovery. I have had a valid mailing address since the closing of the account ; Neither XXXX XXXX or Portfolio has contacted me until recently. To add to the matter, I have recently received a new XXXX XXXX card with no problem; please can you help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Transunion to dispute inquires on my credit report. I have not authorized these inquires and I have received little to no cooperation from both the credit bureau and the creditors to remove the following inquiries.

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from NXX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for reporting an inaccurate address in the previous address section of my consumer report. Despite my prior dispute efforts, this incorrect address continues to appear on my report.According to the Fair Credit Reporting Act ( FCRA ), 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Experians continued reporting of this incorrect address, which I am not associated with, is a violation of this provision. Additionally, under 1681i ( a ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete any data found to be inaccurate or unverifiable.To support my dispute, I will be providing copies of my state ID and a recent bank statement, which both reflect my correct and accurate address. The address currently listed in the previous address section of my consumer report is inaccurate and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters disputing these fraudulent accounts in my report, but I did not receive any results. The bureau does not give me any response as well. I do not know if what actions do they take but I believe they do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling to get this negative account off my credit report. I have report this fraud, contacted original creditor and I am still not seeing any results. The account name is XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I never knew anything about this account until I found out it was reporting o my consumer report. I had found out that it was attached to an address that was my ex boyfriends. I had just got results from getting the address that was not mine off my consumer report. I am still seeing this negative account and I would truly appreciate it if you can assist me in getting this negative account removed.
Product: Credit reporting or other personal consumer reports

The tradelines have not been validated and is causing harm financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed Chapter XXXX Bankruptcy Reference # XXXX with Experian and in response Experian verified the item as accurate and have verified the information with the court. I contacted the court and was informed that they do not report to Experian or any credit bureau for that matter ; therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Debt collection

The following companies have falsely reported debts owed to them on my credit : -MOUNTAINRUNSO ACCT # XXXX -XXXX ACCT # XXXX -XXXX ACCT # XXXX XXXX XXXX # XXXX -US DEPT ED ACCT # XXXX -DPT ED/XXXX ACCT XXXX XXXX -XXXX XXXX  ACCT # XXXX I have never signed a contract with any of the above listed companies.
Product: Debt collection

there is an unvalidated debt on my credit report that needs to be removed ASAP. please see the attached dispute letter from the CFPB
Product: Credit reporting or other personal consumer reports

Transunion is an violation of the Fair Credit Reporting Act ( FCRA ) for failure to properly investigate the inaccurate information on my credit report Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am victim of XXXX  XXXX  and I would like someone to please help me with restorative justice for my life.
Product: Credit card or prepaid card

Synchrony closed my account due to a monthly payment not going through. I have been in good standing since opening my card and this occurrence only happened because I moved and changed jobs which made it hard to keep track of everything. Ive been paying off all my other cards and my credit was at excellent before Synchrony abruptly closed my account. Ive also paid the past due balance and filed an appeal to the account closure. No one has reached out to me about it or addressed it. When I spoke to someone on the phone they said they couldnt do anything about. Ive now been charge 200 % in interest. Synchrony not only has terrible customer service but use coercive tactics to get more money out of their customers. This completely unfair given my payment and credit history. Id like to Synchrony to re-open my account, remove the 200 % interest and get me back to my normal payment schedule. Moving across the country has been difficult alone, this has made this experience XXXX more difficult.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have been trying to dispute the accuracy of XXXX XXXX on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since XXXX There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.
Product: Debt or credit management

I received a call from Credit Corp Solutions from XXXX on XXXX XXXX at approximately XXXX XXXX XXXX. The phone call came to a business line. When the phone was answered the representative of Credit Corp only ask if I was XXXX. I stated, " yes. '' She then began to read the notice of collection. During this call there was not verification of to whom she was speaking. She disclosed an address and the complete date of birth. ( Month Day Year ). I stated that that was a violation and she did not verify with whom she was speaking. She attempted to justify that when she asked about the address and I did not state it was not the correct address. I asked to speak with a supervisor. It took about the time of our call to get the supervisor on the line. I confronted the supervisor of the associate not verifying the person on the line. She repeatedly asked if I was XXXX. She asked if she should take the number they called off their call list. I repeated to ask how they would handle the violation. She refused to address the concern.I advised I would contact the FCC ( I meant the FTC ). I then ended the call and place this complaint, and request sanctions and fines based on the out come on the review of the recording. I fear the recording XXXX be lost because of the way the supervisor handled our conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries without my knowledge -XXXX -PayPal I didnt applied for any credit line for this two companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a van through XXXX  XXXX XXXX in XX/XX/2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
Product: Payday loan, title loan, or personal loan

Took out a loan with the company XXXX on or about XX/XX/XXXX for the amount of XXXX dollars.The account went into default XX/XX/XXXX. I paid XXXX XXXX in XXXX or XXXX The full amount I owed them. XXXX XXXX has the record and exact date the loan was paid off. The problem I'm having XXXX XXXX uses a company by the name of AD Astra for recovery services. This company have been reporting this account to all three credit reporting agencies which by the way since XXXX or XXXX has been a XXXX  balance. I have call XXXX XXXX and AD Astra to resolve this issue and have not been given any sort of resolution. I'm currently using XXXX XXXX XXXX to assist me in the resolution of this account. I been working with XXXX XXXX since approx. XX/XX/XXXX and nothing they have done has resolved this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I placed an item on my Equifax credit report in dispute. On XX/XX/18, I was notified to login and check on the status of the dispute. Today is XX/XX/18, and I have tried every day since XX/XX/18 to login and can not access their status check or my credit report. I have logged into my account, but can not retrieve any additional information. I have done an online chat two times without any success, most recently today, and have called their customer service number only to be told that they can't help me. How am I to be able to monitor my credit report if I can't retrieve my credit report from Equifax or see any dispute resolutions? This is unacceptable that a company can hold such a monopoly on my credit information without providing any assistance or resolution to inaccuracies.

No one wants to do anything about this heinous company. Equifax has gotten away with erroneous credit reportings for years. As a consumer, I should be able to see my report and fix any inaccuracies, but I can not. How to you let Equifax continue to get away with this? I have had issues with them over the years. XXXX  and XXXX  at least resolve the issue. Equifax does not care, and until the CFPB or someone holds them accountable to the consumer, they will continue to treat consumers in this way. Help!
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, 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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently review a copy on my credit report and notice I had fraudulent accounts and hard inquiries on my credit report please remove these accounts and hard inquiries from my report, they are hurting my ability to obtain credit. 
Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Hello, My Name is XXXX XXXX and I am a home owner with a mortgage through HSBC. I have never missed a payment on my mortgage and was late XXXX due to a mistake. I am in dire straits. I am having to XXXX XXXX to pay XXXX, and things are getting tight, I have been trying to get my mortgage refinanced at as low a rate as possible with no PMI since XXXX 2014. I have lost XXXX. Your assistance would be appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX  CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

XXXX XXXX I recently received a copy of my free credit report and notice some items that is not mine and I notice that I have never applied to these company so therefore. These inquiries should move ASAP with in 3 Business days after recognizing that none of the ones I have listed below have any permissible purpose 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 Equifax , XXXX And XXXX Have took the time to report this information with out my consent and verify be me I look forward to you guys response as you know this is CONSUMER REPORT AND I AM A THE CONSUMER I BY LAW TELL THE REPORTING AGENCIES WHATS SUPPOSE TO BE ON MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN XXXX DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS XXXX  DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, Has violated my rights. 

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations.

I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Monarch Recovery Management , Inc reference number : XXXX Dear Monarch, XXXX XXXX  has written off this account. I do not have any agreement with you to have to pay any amount. According to the FDCPA, monarch or any other debt collector has to have consent to communicate with me which you do not have. Any communication after this will be considered harassment. 
Under Section 809 ( b ) of the FDCPA, you are required to provide me with the following information before pursuing any further collection activities : Verification of the debt, including the name of the original creditor and detailed documentation of the amount owed. 
Proof that you are legally authorized to collect this debt. 

Until the requested verification is provided, I am requesting that you cease all collection efforts and refrain from reporting this debt to any credit reporting agencies, as inaccurate or unverifiable reporting is a violation of the Fair Credit Reporting Act ( FCRA ). 
Additionally, I demand that you refrain from contacting me except to provide the requested validation or to confirm that you will cease collection efforts. 
Please be advised that this letter serves as my formal notice under the FDCPA to protect my rights as a consumer. I expect your response within 30 days from the date you receive this letter. 
Thank you for your immediate attention to this matter. 

Thanks, XXXX