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

Name being incorrectly spelled in multiple ways and occasionally dob addresses are not mine and phone numbers listed are beyond excessive misinformation and multiple attempts to use these names and addresses/phone numbers to gain credibility and destroying my reputation and my entire life as a person who is just plainly only trying to make my life better for myself and future family goals and I am not getting any help from these companies and or creditors constantly being harassed and threatened with court and collections because of their lack of service to understand that I have been on social security XXXX since XXXX of 2009 and very much limited to my ability to work and sustaining a stable life and not being able to afford daily needs due to income benefits being drained incorrectly and fees and overdrafts
Product: Debt collection

Credit Management LP- Amount {$230.00}, labeled under cable or cellular. I have know clue as to what this is and would like to have it removed from my credit report. It is showing first delinquency date back in XXXX and last reported XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX. XXXX Account name : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX5U.S.C 1681c. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681S-2 ( 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, PayPal permanently limited the account of a household member. To my surprise, I just logged in to my account today and found that they have permanently limited my account too due to " Potential Risk ''. This's retaliatory action, being a member from the same household doesn't give you the right to shut down my account too. Please indicate what activity did you determine as " Potential Risk ''? My PayPal account history and activities are flawless, with no fraudulent or chargeback transactions ever. I had my account for so many years without any issues. Is it legal to shut down my account because of another household member being unfairly shut down? Please don't reply with nonsense Terms & Conditions. The last activity in my account was on XX/XX/2021, you didn't shut down my account UNTIL you shut down the other member 's account as a retaliatory action.
Product: Credit reporting

I was a victim of identity theft XX/XX/2014. I reported this to the credit monitoring service and they assisted me in placing an initial 90-day alert, and then an extended ( 7 year ) alert on my credit file. XXXX and XXXX placed the alert and included a consumer statement regarding the fraud. Equifax should have received the information and also implemented the fraud alert, but I later found out it was not implemented. I initially worked with a monitoring service to place the extended fraud alert, but Equifax only placed a 90-day alert. I became aware of this in XX/XX/XXXX when I received communication from Equifax. I contacted Equifax directly to place the extended alert, and provided them with the supporting information for the alert. Since then I 've received more requests for information, and when I provide the information I get another request. Some of the requests are for information I 've already provided. Talking with the Equifax staff is no help. It is a repeat of me providing information and nothing happening. 
I need for Equifax to implement the extended ( 7 year ) fraud alert with the consumer statement I 've requested. One reason is that there have been fraudulent attempts to get my credit file, so I need the protection from the potential fraud. XXXX and XXXX have handled this very efficiently, but Equifax has something seriously wrong in their process. At this point I 've received another request for information from Equifax that is for information I provided in XX/XX/XXXX. 
Any help you can provide in getting Equifax to meet the requirements of what they are required to do in cases of identity theft would be greatly appreciated. 
One additional thing to report. Equifax sent a letter by mail to my home but addressed to another individual that does not reside or have any ties to my address. I put the letter back in the mail without opening and marked it return to sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a )  There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX  XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXXXXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN  XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name 01 XXXX XXXX XXXX XXXX XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA   XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name 10 XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MN XXXXXXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name 11 XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT
Product: Vehicle loan or lease

I was a second time customer with the company. First vehicle was paid off successful but management had changed with the second vehicle. Vehicle purchased XX/XX/XXXX and all payments were current. In the month of XXXX, when the due date arrived, I spoke with the corporate office and informed them I would be making the current payment when by next Benefits from Social Security was received. I received a phone call and a home visit from representatives from the local office stating I needed to come into the office to discuss the matter. These occurrences were XXXX day before the second Tuesday of the month ( the day I received my benefits ). I went into the local office and spoke with the XXXX ( advised her I had spoke with the XXXX XXXX ) and she informed me that If I couldn't make the payment at that " moment ' I would need to provide her with the key and leave the vehicle. During this conversation she also informed me that my additional " TAX PAYMENT '' had not been made. This company charges and " extra '' payment to customers at the beginning of each year. In closing, keys were surrendered and I cleaned out the vehicle. When I approached the vehicle someone had already placed the seat belt through the steering wheel so the vehicle couldn't be move. 

I received a notice of plan to sell property dated XX/XX/XXXX ( XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX, I started paying my daughters student loan payment in a loan for XXXX XXXXXXXX to help out. After paying {$250.00} a month for one year, I noticed the amount owed had gone up! Not one dollar was paid down. I then scraped together money to pay off that loan and moved my other daughters loans XXXX XXXXXXXX to my home equity line. I received an interest statement from them and they charged from XX/XX/XXXX through XX/XX/XXXX a total of {$7100.00} in interest on {$45000.00} in loans. That was the interest amount paid in 90 days! How is anyone supposed to be able to pay that back? Their father hasnt been in the picture and I was helping my girls myself while making {$36000.00} a year and because the income of parents is taken into account, we werent eligible for aide. Even though it was just me paying for their education. Its disgusting and predatory. Even worse, my daughter made too much to even claim this interest on her taxes! Im appalled at the state of our country in every single way. The only ones suffering are the middle class in this country. Sallie Mae should pay that back to us! I have the statements to prove all of this and Im going to raise heck for other families.
Product: Debt collection

Account management Ser is reporting a debt that I supposedly owe on my XXXX and XXXX XXXX reports. The debt showing on my credit report, shares inaccurate and false information such as " maximum delinquency XX/XX/XXXX '' and it was opened in XX/XX/XXXX yet reported in XX/XX/XXXX. I do not have any signed contracts with this company nor any sort of agreement that states I owe this account or company. I have already submitted disputes to XXXX and XXXX XXXX to validate this debt and to provide evidence of signed contracts reporting the debt owed and validating the amount. This company is violating FCRA consumer laws by reporting inaccurate information and I am requesting that this account be removed from all credit files immediately. It is causing me emotional distress and medical issues. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # .is noted on the attached documents. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate.
Product: Mortgage

I am facing foreclosure on my home. I have been try ing two years  to obtain a loan modification.
Product: Debt collection

I insist that your bureau updates the reporting of late payment dates to accurately reflect the current status of the accounts. I understand the importance of accurate credit reporting and take my financial responsibilities seriously. However, it is essential to note that there were occasional delays in my payments. It is unnecessary and misleading to continue reporting late dates when the accounts have been paid and are no longer delinquent. The reporting of these late payment dates is adversely affecting my credit standing and does not accurately represent my financial history. Despite these temporary lapses, I made the necessary payments to bring the accounts up-to-date, and there is no outstanding balance that justifies the reporting of late payment dates. I was the victim and XXXX not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. I request a prompt and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts. It is crucial that your bureau complies with the Fair Credit Reporting Act ( FCRA ) and rectifies these discrepancies without further delay. 
XXXX XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I expect to receive written confirmation of the resolution and the updated credit report at the earliest opportunity. The reporting of inaccurate late payment dates is not only misleading but also detrimental to my financial reputation, and I insist on a swift resolution to rectify this issue.
Product: Money transfer, virtual currency, or money service

i sent XXXX to my friend in XXXX with bofa via XXXX. couple days later XXXX informed me transaction did not go thru and it takes 90 bussines days to refund. i decided to dispute with bank of america for quick solution cause i didn't want to wait that much. bofa gave me 2000 credit for a month to fix problem. than they took it back and my account went negative. bofa decline my claim 2 times cause they recieve information from XXXX that transaction went thru. i just recieve information from XXXX that they re saying they already refund my money to bofa. they re acting like i am a fraud. i been waiting to get my money back for 90 days. i believe this two companies need to contact with ea to fix this. all information attached. ty for ur help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Collection company is illegally reporting the " date opened '' incorrectly, per FCRA 623 ( a ) ( 5 ) ( A ). I have attempted to resolve this error MULTIPLE TIMES with the collection company via electronic dispute to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a complaint on Transunion I have asked them to delete XXXX   XXXX from my credit report due to wrong account Number but they refuse to. per FCRA INFORMATION HAS TO BE REPORTING 100 % CORRECT I WANT THIS ACCOUNT TO BE DELETED TODAY. 
I'm sorry for sending so many dispute / complaint on you but as a aggressive consumer I feel if I have write dispute letters to you! drive to the Post office to  send certified mail to your business and wait 30 days and supply factual documents to you then wait 30 days talking about the account has been verified. after sending you Proof is unacceptable and very time consuming. I will let you Know I just sued XXXX the other and won for violation of the FCRA I Don't want to see the reporting company such as yours But you guy 's need to step up and do your Job. I found out last Thursday in court about the XXXX XXXX   system And how it works anyone can Punch in a code and go on their merry way I will not back down even if it means filing suit But like I said I don't want that all I ask is you got do what the fcra Req.again I'm sorry for the One by one complaint with the CFPB BUT IF YOU DON'T STAND UP AND FIGHT YOU WILL NOT GET ANY WHERE. PLEASE DELETE ALL ACCOUNTS THAT IS REPORTING ERRONEOUS AND NEG ITEMS THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify specific information from the company reporting the information. Instead they only advised that it was verified with information regarding items I did not ask them to verify.  They violated my HIPAA rights and would not remove from my credit union
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX  Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry violates several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : Restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : Specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : Mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information may constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Debt collection

This was originally over a debt from credit card ( XXXX limit ) that i could n't afford to pay about 17 years ago, this was for XXXX XXXX. 10 years ago a law office that was hired by a a debt company ( harvest credit management i believe it is ) that bought the debt sued me. I never received a notice to appear ( failure to serve ). I only found out about it months after when the collected old mail to see the court case was already decided. To my knowledge I have to be served correct? Since which 10 years have passed and suddenly last week they seized all the money in my accounts both savings and checking. This happened without any notice. When I called them they said they sent a notice to an old address. They claimed the recently renewed the case and is why they just now after 10 years decided to make that move. They now claim I owe XXXX in interest on top of the credit card amount of XXXX, a total of XXXX. I have no way to pay this and will most likely claim bankruptcy soon unless they can settle for a far smaller amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company on my credit report showing that I borrowed over {$20000.00} that Ive never had any dealings with. I dont even know anything about this company and have never had an account with them or never signed for or authorized anyone to open an account with this company at any time. It just showed up on my credit report recently showing that an account was opened in 2018. This is not mine. I tried disputing this to no avail. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX account number XXXX, has violated my rights. 15 U.S.C 1681 Section 602a and 602b. States that I have the right to privacy and accuracy within my credit report.

15 U.S.C 1681 section 604a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 

on XXXX XXXX I sent letters to XXXX XXXX Equifax and XXXX about inaccurate information that was in my credit report and as of today Monday XXXX XXXX the inaccurate information is still present in my credit report.
Product: Debt collection

I am not liable for this debt it is inaccurate and from identity theft I asked company to remove reporting from credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER HAVING A CHANCE TO GO OVER MY CREDIT FILE, I CAME ACROSS SOME DEROGATORY ACCOUNTS REPORTING ON MY CREDIT FILE. THE ACCONTS DO NOT BELONG TO ME. THERE HAVE BEEN A TREMENDOUS DROP IN MY CREDIT SCORES BECAUSE OF THIS SITUATION. IT IS SO UNFAIR TO ME BECAUSE I HAVE ABSOLUTELY NO KNOWLEDGE OF SUCH ACCOUNTS. IT HAS BECOME VERY HARD FOR ME TO ACCOMPLISH CERTAIN THINGS ALSO BECAUSE OF THIS. I AM ASKING THE AN INVESTIGATION IS OPENED IN ORDER TO REEVALUATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the ftc violation sent to XXXX XXXX and experian still showing up