23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX 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

My credit score does not reflect my exceptional payment history, no collections, length of credit history. I have a low credit score with a credit utilization of less than 20 %. Something is wrong somewhere.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> XXXX  : XXXX SECURITY FREEZE
Product: Credit reporting or other personal consumer reports

I always pay on time. I know this for sure. I don't understand why this company says I'm late some months. According to USC 1666b, billing errors must be fixed and shown as paid on time.
Product: Debt collection

XXXX XXXX billed me for services rendered to my wife. I asked them to instead bill her ( I did not want medical conditions and treatments rendered to her on my medical record ). Instead, they referred the bill to BC Services who is attempting collection from me. Note, in this process my wife 's private health information was revealed to both me and BC services, clear HIPAA violations. 
I wrote to BC services pointing out that the debt was not mine and asked for clarification as to why I was being charged, or to dismiss the proceedings. Instead they sent more evidence that the debt was not mine, but did not dismiss the debt.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCYCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a loan reporting on Equifax from XXXX XXXX. I have never taken out a loan with XXXX and Equifax refuses to remove the vehicle and the associated inquiries for this loan. I have contacted XXXX and they provided me with a letter confirming that I do not have a loan and submitted this data to Equifax at the fax number they provided me with. I 've called and disputed this several times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX XXXX in regards to dispute this alleged debt. The rep I spoke with said the company mailed verification last FEBRURY XXXX to an address I know longer live at and have not lived there for over 12 years. This third party debt collector said they received my information from XXXX XXXX without my permission knowledge or consent. XXXX XXXX is in direct violation of the FDCPA. An agent said this is the first contact they have with me about this alleged debt. According to the FDCPA XXXX has 5 Days to send validation of this debt. The agent for XXXX did not ask for an updated address the agent also hung up on me and told me to call back in a few days to dispute it. This company is reporting on an ALLEGED DEBT THAT NEVER BEEN VERIFIED. I ask that you take this off my credit report. I called XXXX to give them permission to respond to CFPB complaint. The only thing XXXX was interested in while on the phone was collecting not verifying any information. The credit reporting agencies are now in direct violation of the FCRA. This is a private matter between myself and XXXX XXXX. In compliance with the FCRA you must verify all accounts to be true. Excuse me but this third party debt collector do note have my correct address or phone number to contact me to verify/validate this debt. I only was made aware from checking my credit report. According to the FCRA I must be notified in writing to opt out of negative reporting and I did not receive any notice to opt out. This account is causing me a great deal of stress.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$93000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I went into a XXXX store in XXXX, AL and was sold a new XXXX in order to receive a free month of cellular service. There was no misunderstanding what the employee said, that is verbatim what I was told. On XX/XX/XXXX, I cancelled the service and returned the phone. The sales person told me that I had cancelled just in time to avoid being billed and to disregard any payment notices. I paid for what I owed ( {$93.00} ) at that point in the store and was provided a receipt and clarified again with the employee that that was all that I owed, and that I could disregard the bill I was sent on XX/XX/XXXX. I disregarded it as I was told by the sales person to do, and in XXXX of XXXX it got sent to collections. I have tried to dispute it with Experian three times believing I was charged for a month of service I had already cancelled, and got nowhere. Ive contacted XXXX twice. On XX/XX/XXXX, I contacted XXXX, and was responded to by XXXX, who tells me that I never actually had a free month of service, and that essentially the bill is for the month that I thought I had a promotion for free service. Instead of offering solutions, he continued to explain exactly how misinformed I was, and then closed the case in response to my last email response to him without ever offering a resolution. On XX/XX/XXXX, I contacted XXXX again. The second contact, XXXX, immediately replied to me with the same information and again did not offer any resolution. I responded asking for a resolution instead of being sent repeated information. XXXX still has not replied as of today, XX/XX/XXXX. Neither acknowledged that I was lied to by the employee. I would rather not have to pay for a service that I was told was free, but I have had every intention of paying for what I owe. I am just seeking a fair solution and acknowledgement that I was lied to and that this should not be damaging my creditand no one with XXXX or Experian is helping with this.
Product: Checking or savings account

Chase bank refuses most of my transfers to other banks. They have locked my account 3 times in 2 days. They currently are refusing to approve a XXXX transfer to myself at XXXX bank.
Product: Credit reporting or other personal consumer reports

I am not liable for any debt with XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted and this company re-added negativeitems to my credit file. I have attached both accounts, which were investigated and found to be not mine.
Product: Debt collection

In XX/XX/XXXX an auto loan was charged off the Pentagon Federal Credit Union in the amount of {$7100.00}. In XX/XX/XXXX, I filed for ChapterXXXX bankruptcy and this amount should have been included. Not to mention, after filing for Chapter XXXX  bankruptcy again in XX/XX/XXXX, this amount should again have been removed from my records at the PenFed Credit Union. It is evident this charge-off that has stayed on my credit has  undoubtedly had a severe impact on the type of credit I receive and the interest rate charged for the past 21 years.

I kept this account open despite of the charge-off. Each time I go into the bank to withdraw my own funds, the tellers have to obtain an override - this is embarrassing. To add insult to injury, I am a XXXX  employee - I am limited with funds to pay debtors. I was unable to open a checking account, obtain a debit card, and the like due to this charge-off.

The PenFed Credit Union is offering assistance for members who have been with the credit union for at least 12 months. I was told by PenFed that I could obtain Direct Deposit Assistance. Meaning, if I was an existing member with PenFed and have an existing direct deposit into a PenFed deposit account, I could qualify for their Direct Deposit Assistance program. This program allows me during the government shutdown to take advantage of a 0 % advance on an overdraft line of credit in the amount of your most recent direct deposit from a qualifying government agency, up to {$6000.00}. For qualifying members with an existing overdraft line of credit will be increased by the amount of the direct deposit to accommodate the advance. For members without an overdraft line of credit such as myself, who otherwise qualify, an overdraft line of credit would be opened for me to accommodate the advance, and NO CREDIT CHECK is required for qualifying members.

I was told I didn't qualify because of the charge-off still on the account from XX/XX/XXXX. The representative on the line indicated that even though I filed for bankruptcy, they still have the right to keep the charge-off on the account until they are able to collect the {$7100.00}. This is clearly a violation of bankruptcy laws and discrimination.

I was told to contact a XXXX XXXX at the Credit Union, which I believe is a bogus name.

This is false advertisement and acts of insensitivity during my times of hardship. I have {$1000.00} going to the credit union monthly. I was beginning to save funds, but in late XX/XX/XXXX I had two family members : ( 1 ) one who is now deceased ; and ( 2 ) another who has experienced severe health issues where I had to assist with other family members in burial costs and other expenses.

I called in to ask questions, the representative on the phone didn't even offer me the opportunity to apply per their process.

This is wrong. I meet the criteria for a Direct Deposit Assistance, especially since no credit checks are involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX - XXXX, and # 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness of an accuracy of the list of the accounts below. 

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 or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

XXXX XXXX {$5900.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) {$3600.00} XXXX {$3000.00} XXXX  XXXX XXXX  XXXX XXXX {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) {$1500.00} XXXX  {$1100.00} XXXX  XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) {$1000.00} XXXX XXXX {$850.00} XXXX XXXX  XXXX {$820.00} XXXX  XXXX {$640.00} XXXX  XXXX {$700.00} XXXX  XXXX {$1400.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Product: Credit card

I have called customer service numerous times at XXXX on XXXX XXXX and got people in XXXX that lack SERIOUS training. I was on the phone for over an hour spoke to XXXX # XXXX along with his supervisor XXXX XXXX and both of them were not able to explain to me how my monthly payments were being allocated. I am not in the banking business but to me this is very basic information that should be provided to the customer. Furthermore they stated for me to look at my billing statement to obtain the information I was inquiring about, which by the way I did and it is not there! As a customer I have every right to know this information and no one is able to assist me. I proceeded to go to the nearest branch on XXXX XXXX dealt with a XXXX XXXX, Manager thinking I was going to get my answers and once again was forwarded to the same phone number. Furthermore the branch does not deal with any credit card issues!! It is very frustrating and upsetting that I have spent hours trying to get this information and not getting anywhere. I hope this compliant gets resolved as I will proceed to look into it further having this issue resolved because as I am looking into my statements there are missing monies that I have been paying that are not posted to my account. I now have a suspicion that HSBC is stealing my money especially since absolutely no one in this bank can explain how are ALL my monies being allocated. All I want is to pay off this card as they continue to raise my APR more than I think is even legal. I am requesting in writing where I agreed to this the constant APR increase and to make matters worse I want to know why I have XXXX balances with XXXX different APR 's? I have had credit cards for over 20 years and I have never experienced such thing. How are my payments being allocated? Is this business practice even legal. Additionally, when I inquire with the HSBC branch they can not even understand why this is happening to my account, when I ask you customer service people in XXXX they can not even give me a straight answer!! This is VERY BAD BUSINESS!!!! I also spoke to XXXX # XXXX and his supervisor XXXX yesterday at XXXX spent my whole lunch hour and did not achieve anything on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file and I seen some addresses that are not accurate. My current and only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I also have an issue with a unverified account from a company that I do not recognize XXXX XXXX XXXX # XXXX I have never done any business with this company. XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. 
me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. The account information is below. 
Account : XXXX XXXX, Amount {$430.00}, Acct # XXXX Account : XXXX XXXX XXXX, Amount {$2000.00}, Acct XXXX XXXX Inquiry ; XXXX XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my student loans back in 2017. Prior to consolidation I had a forbearance and no payments were due yet. After consolidating my loans with XXXX they reported XXXX or XXXX separate loans in addition to my large consolidated loan. They also reported XXXX to XXXX late payments on each XXXX of the smaller loans for the months of XXXX and XX/XX/2017. This information is not accurate by any means and has held my credit score down significantly for the past XXXX years. I have been denied for a mortgage to buy a home and have been paying a ridiculously high interest rate on my car payment as well, all due to the falsely reported XXXX late payments of 120 day past due. Upon disputing this with the credit bureaus they closed all of the small loans that were consolidated, however they did not correct the inaccurate late payments. My payment amount each month is {$0.00} due to the income driven payment plan, therefore there is XXXX percent chance my payments were late. After they closed these small consolidated loans they then duplicated my large consolidated loan which is roughly $ XXXX, which is now on my credit report twice along with an additional loan amount of roughly $ XXXX which is part of what has already been consolidated. I should only have XXXX consolidated loan in the amount of roughly $ XXXX and all late payments, all XXXX late payments need to be removed. I have never had a payment amount other than {$0.00}. This is my last attempt at correcting this issue before I seek legal proceedings. These errors have cost me thousands of dollars already and have held me back from pur heading a home for my children as a single mother. Please fix this!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. These inquiries are fraudulent, damaging my XXXX XXXX, and should not be furnished on my consumer report as they are in XXXX!!! 

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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 1681c. ( a ) ( 5 ) Section which states no consumer reporting agencymay make any consumer report containing any of the following items ofinformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have already notified CFPB, and the Federal Trade Commission by completing an identity theft report and I have included copies for your review.
Product: Credit card or prepaid card

This card was fraudulently opened in my name it was not me and i need it resolved as soon as possible thank you
Product: Credit reporting or other personal consumer reports

I have started looking into to my credit and noticed the very unfamiliar accounts below. I have no knowledge or have I ever done business with the companies listed below. I have tried everything to get this fixed. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number # XXXX XXXX XXXX XXXX  account number # 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that 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

I have received numerous phone calls from XXXX XXXX XXXX. Previously when they called and I would answer, the call would be disconnected before speaking with someone. On XX/XX/21, at XXXX EST, I received a call from them again. I spoke with a woman who requested I verify information with her. I refused to self-identify until I was given more information about who was calling. I also stated numerous times that I do not wish to receive calls from them anymore at this phone number and requested a cease and desist. The woman refused to accept my request saying she could not do so without verifying my information. The woman calling then provided a deceitful statement that the call was NOT associated with debt collection or a debt collector. When I then self identified, I was notified that the call was indeed an attempt by a debt collector to collect a debt. I again requested a cease and desist of phone communications to my number which she again refused and was extremely rude saying so youre just not going to pay back this moneyokay and things of that nature. I confirmed that the phone call was on a recorded line, requested a cease and desist, and ended the call.