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

Last year, I found 3 fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, XXXX, and XXXX, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXXXXXX XXXX 2023, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXXXXXX XXXX  2023, until now, they never sent me any proof from creditors. My credit score is severely damaged, and the representative told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # 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 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 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 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 called to apply to an emergency loan of {$1000.00} that the XXXX XXXX XXXX have advertised and I can't process it in their online webpage as other applicants. I then wrote y XXXX XXXX and sent the application submitted that in the first attempt gave me an error, I believed that they are making physiching with the people that visit their webpage but I applied again. Then I received calls of the institution and received an email of the manager requesting me application documents, I sent and never told me neither notified me that the emergency loan was denied. I checked my XXXX credit report and saw their institution listed on my inquiries they denied the loan based on my credit report during a pandemic disaster. I am a natural declared disaster and declared disaster survivor and my credit reports were impacted because the banking institutions making unauthorized charges after closed accounts in the middle of the disasters and did not provide me any payment arrangements neither moratorium, I make several disputes and submitted statements but the institution used my credit report to denied my loan. They are not approved my loan in less favorable terms than other applicants, in discriminated actions against me.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested all of the documents for the account XXXX XXXX XXXX Acct # XXXX, after finding out i had a judgement that i had no idea about. I also never recieved the proper documents after the repossession of the vehicle. ( Notice of plan to sell, statement of sale ) After closely reviewing the documents they provided and comparing to my credit report i noticed several innaccuracies, the statement of sale, the notice of deficiency, and notice of plan to sell thats supposed to give me the opportunity to buy back the car ALL had the wrong address ( everything was correct except the zip code was innacurate ) which is why i never recieved them, Also several of the payments reported are inaccurate which is causing reaging to this account. I also was never notified that i needed to be in court im guessing because the address is incorrect. I have checked with all credit reporting agencies and they have the correct address linked to this account so im not sure if it was an error or done purposfully. Either way this is a violation and shouldnt be on my report since i was not sent the proper notices after repossession happened. I want this account removed immediately. I am also waiting on all my documents for the judgement so see the accuracie of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everytime i am asked for my name and identification documents by authorities, a file of someone else criminal activites shows up upon giving my ca id # .. at one point in time i was called by XXXXpolice officer asking me if i want him to mail my id card to same address on the card, bec supposedly jt was comphiscated from someone whos been using it for cashing checks, openninh bank account, issuance of checks and others that can be easily obtain thru my card. And i dont think i filed anything against that wrongful act. And so many years passed, i realized why is it i can open no checking account, have a credit card and even getting trouble as far as going to jail ... this became so serious and i dont know how to clean it. Im XXXXyears old now and i havent achieved anything as far as my rights to have anything and evrything i deserve because of this particular individual who used my id to commit criminal acts. If im not mistaken shes also used my ss number. Her name was given by officer in processing my last encarceration : Name XXXX XXXX From XXXX XXXX, Ca Please help me.. 
XXXX Cell ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, Ca XXXX
Product: Debt collection

I received a telephone call from Credit Collection Services advising of an outstanding balance owed to XXXX, in the amount of {$1900.00}. I have a written statement advising of same. I instructed them that it wasn't accurate and that they needed to rectify the situation and provide the correct amount before I discuss the matter further. The representative insisted that it was the correct amount, and if there was an issue, I needed to contact XXXX. I told them that because they were contacting me, the onus is on them. They refused.
Product: Student loan

I currently make {$75000.00} per year before tax. I have {$88000.00} in Federal Student Loan debt and {$72000.00} in Private Student Loan with Navient and just over {$10000.00} with XXXX XXXX. This was to obtain a XXXX XXXX in XXXX. While I am in the industry that I went to school for between student loans and other housing cost I have no savings and a little over {$75.00} saved for retirement. I have filed bankruptcy once and have no form or way to consolidate my loans due to credit score and amount. I am making monthly payments on due dates or just after. 

There was never a cap. I could just keep borrowing and borrowing and borrowing. They never said XXXX stop you will not be able to afford this after school. I just allowed the rich to get richer my student loans are my future and I have no way to pay for anything else. Whether this is my fault, the schools fault or the the lenders fault something needs to be done. This can not continue to happen to other students. 

I call at least every other month asking for lower payments, forgiveness, something that will help me save.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act this creditor has violated my rights. Under 15USC 1681 sec. 602 states i have the right to privacy. Under 15USC 1681 604a sec 2 also states a consumer reporting agency can not furnish an account with my written instructions.Under15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan late for any purpose.
Product: Debt collection

I.C. System Inc. Attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. The amount owed to XXXX XXXX XXXX before being passed to I.C. System IncXXXX was {$390.00}. I.C. System claimed a debt of {$1700.00}. After receiving notice from the Debt Collector I confirmed the real amount owed with XXXX XXXX XXXX who confirmed the {$390.00} was the correct amount. When contacting I.C. System Inc. and relaying the correct amount, the customer service agent said they saw the same numbers and had " been given the wrong number '' by XXXX XXXX XXXX. The Debt Collector said they would be adjusting the amount to the correct number and re-issuing the bill. It seems clear they attempted to get more money than what was actually owed until challenged. The medical service was rendered XX/XX/XXXX, the final statement was issued XX/XX/XXXX and the debt collection bill was sent XX/XX/XXXX, the conversations with both parties happened XX/XX/XXXX.
Product: Mortgage

On XX/XX/22 I was contacted by Fairway Independent Mortgage after I was looking to get matched with a mortgage lending company to get more information of FHA loans and other loans for first time home buyers with a credit portfolio similar to the one I have. I spoke to XXXX XXXX and told him I was merely interested in figuring out where my wife and I stood, but that I did not have her information readily available since she was at work. Most importantly I told him we were not prepared to purchase just yet, ONLY to get some ideas on what we needed to do and where we needed to go next. I gave him my personal information for him to get started, expecting no more than a soft credit inquiry. I added what information I could to the online profile and was not even finished adding my W2 information when I received an email from the company that due to my income and credit score they would not be able to provide me financing at this time. Which is not what I asked for. My credit score then showed a XXXX hit to both my XXXX and XXXX for the hard inquiry that Fairway Independent Mortgage performed without my consent and before I was even done with my application process. Now this is on my credit score and could be for the next two years and could severely impact my ability to finance a home. This hard credit inquiry was done without my consent. Fairway Independent Mortgage has not returned my calls or emails regarding this.
Product: Checking or savings account

My name is XXXX XXXX I got a letter in from Wells Fargo XXXX XXXX XXXX when I have fill it out today and received it in the mail and sent it back in the mail to yall department today I want to know when will they call me or how will they contact me and how My name is XXXX XXXX XXXX and contact me at XXXX they can call me or email or do both and how do their process and please give me their contact information too to contact them because I dont have it and tracking number is XXXX and Wells Fargo case number XXXX and read the letter below account number is XXXX I want them to call me or email or do both please please have them to contact me etc.
Product: Checking or savings account

This Company allowd someone to open an Account in my name without proper ID, the documentation they provied shows no ID was required. I demand someone look into Capital One to review their guidelines to keep peoples idenity safe
Product: Credit card or prepaid card

Bank of America had opened a line of credit that I did not request to be opened. They revoked my primary business credit card. They failed to refund an over payment for that credit card when they closed or revoked that same card. They took all of the cash rewards that were available and earned on that card. They have done many other things to my business also. This has negatively effected my personal and business credit score. They refused to give me my cash back rewards that my company had earned. They said they will refund my over payment on that credit card the revoked. I have not seen anything yet. This all came to light XXXX. I will be doing some investigating on my part. The statements and documents are no longer accessible for me on some of the accounts now. I had been transferred to more than 5 Bank of America representative on the phone and nobody could give me an answer for for over an hour. I finally got an answer that didnt make any sense from a customer service rep. Then they told me they couldnt help me. I then requested they close the additional lines of credit that we I attached to my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$2600.00} Paid, closed 19 charge-offs Account number XXXX, Date opened XX/XX/XXXX, Account type Auto Loan Balance Loan Amount {$2600.00} This was included in BK in XX/XX/XXXX, the car was turned in as it was my ex wife 's daughter, It's being reported as a late payment every single month for the last 19 months, this should be removed due to the 7 year and/or these lates should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This constitutes my second attempt to attend to a matter and function as a follow-up to my initial complaint dated XX/XX/2023. It is crucial to reiterate that, as per FCRA section 605b, Credit Reporting Agencies are compelled to eradicate any entries specified in an identity theft report, particularly identified as XXXX XXXXXXXX. In accordance with Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to eradicate any entries in the consumer 's file identified as information resulting from an alleged identity theft within XXXX business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the necessity for the removal of inaccurate information currently manifested in my credit reports. The following accounts have been expressly identified for removal : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX  -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Balance XXXX XXXXXXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX  -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXXriginal creditor XXXX CREDIT XXXX XXXX  XXXX A ) XXXX Balance XXXXXXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX Balance XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX  XXXX Balance XXXX
Product: Debt collection

Was not informed of debt until after being placed in the credit bureau asked for verification notice and found inaccuracies. Please provide a copy of payment history and the amount stating I owe along with signature of an agreement. Along with proof of trying to get in touch with me about the debt.Payment history first and last payment received.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX that starts with XXXX due to being more than XXXX old, XXXX XXXX XXXX XXXX that starts with XXXX due to not my loan, and XXXX XXXX XXXX that starts with XXXX due to not original creditor and creditor closed account. XXXX denied to follow up with the investigation. I recently notified that CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of XXXX. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the XXXX of XXXX XXXX XXXX XXXX XXXX, there is no record of any XXXX from any company against me. I have supporting documentation from the XXXX of XXXX to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and is you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Credit card

I have spoke to supervisor s at the company XXXX XXXX XXXX XXXX they send me to XXXX XXXX  which who has the account they put me on hold and hang up rude I can not get help I want my report correct please help me XXXX XXXX {$280.00} colony/Ginnys {$430.00} resurgent/LVNV funding {$1200.00} XXXX  XXXX XXXX {$740.00} XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past XXXX years, I have trying to get this information removed from my report at XXXX. I have made over XXXX complaints ' with CFPB that XXXX only updates the incorrect information instead delete it as XXXX did after investigations of the matter. I am Demand them to Delete the account it has been over XXXX years of incorrect information. They have stretched the law for XXXX years
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to delete inaccurate and incomplete information on my consumer file. Im disputed 6 times.
Product: Debt collection

This all started with XXXX when I received a bill earlier this year for medical expenses of {$140.00} from services received on XX/XX/XXXX for my daughter that was already paid by my Health Savings Account ( HSA ) Bank   automatically on my behalf on XX/XX/XXXX. ( I have automatic claim forwarding where a check or ACH payment is made automatically for what I owe from my HSA from my HSA bank  ( XXXX XXXX  ) ). I submitted a copy of my HSA statement to prove that the debt was paid. I continued to get calls about the debt and told XXXX that I sent a copy of my statement to prove that the debt was paid. The last associate I spoke to, on a recorded line, stated that she found my payment but that it was coded incorrectly and would need to be sent back to administration to be fixed. I was assured that a cancelled check to further prove payment was not needed and that the account would not go to collections. A month later, I received a validation of debt letter from IC Systems claiming that I owed XXXX {$140.00} that was not paid. This is the same debt that I spoke to XXXX about previously and submitted my bank statement to prove payment. I then disputed the debt and sent a copy of the statement proving payment to XXXX to IC Systems. I received yesterday, XX/XX/XXXX, a letter from IC Systems that the debt was valid and that I owed {$140.00}. I am furious and am going on vacation with my family. I now have to take time away from my family to call my HSA bank to request a copy of a cancelled check, from ten months ago, to further prove that I do not owe {$140.00}, the debt was paid, the check was cashed by XXXX and was not correctly posted to my account. It saddens me that I have to go through such great lengths to prove that a debt for a medical expense from last year was paid ten months ago. I am also concerned that this may be on my credit report as a debt and would be inaccurate as the debt was paid. I am attaching a copy of my bank statement which clearly shows that a {$140.00} check was cashed from my account that was sent to XXXX for a claim on XX/XX/XXXX on page 2.