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 XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX 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. 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

This account has a XXXX balance and was paid to Dept of Education via Federal Income Tax Return being garnished in  XX/XX/2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a XXXX balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # XXXX
Product: Debt collection

Chase Auto will call up to 5 times a day. Some calls are automated, XXXX number shows up as " XXXX XXXX of XXXX ''. I do not speak to them because everyone I have ever talked to has been rude.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) due to inaccurate information, inconsistencies, and inadequate investigation concerning my credit report. Specifically, this refers to the account reported under XXXX XXXX  XXXX. with the partial account number XXXX. 

Specific Violations Detected 1. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : - The account reflects a " Charge Off '' in XX/XX/year>, which is not reported by other credit bureaus. 

- The payment history is incomplete and inconsistent, showing " OK '' until XX/XX/year>, followed by a " Charge Off '' with no clear justification, and then blank spaces. 

2. Lack of a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : - Despite prior disputes, the inconsistencies have not been corrected, indicating that Experian failed to conduct a reasonable investigation as required by law.

3. Inconsistent Bankruptcy Comments ( FCRA, Section 623 ( a ) ) : - The account is marked as included in a Chapter 7 bankruptcy, but this information does not align with reports from other credit bureaus.

4. mpact on Payment History ( FCRA, Section 605 ( b ) ) : - The irregular payment history with incomplete or inaccurate data negatively impacts my credit profile, violating fair reporting standards.
Product: Checking or savings account

I made a mobile deposit to Truist Bank with my payroll check to my checking account on XXXX before going into XXXX. After XXXX and getting home I checked and realized the money hadn't posted and said may have a hold I called at that moment to Truist bank the lady I spoke with said she didn't see a hold but if one showed the next day to call back so I could receive help. The next morning on XXXX there was definitely a hold I was told that I wouldn't have access to my funds until the following Friday XX/XX/11, so I called spoke to a supervisor she told me she couldn't do anything to help me because the account was new and I did a mobile deposit. She said what I could do was go into the branch speak with the branch leader and see if they could help me. So even though I just had XXXX I went to the branch to get some help. I was left waiting for over an hour even though I had explained I just had XXXX that didn't seem to matter. When XXXX the branch leader came out. We went to his office he told me that mobile deposits where out of the branch hands, this happened in XXXX sometime and unfortunately customer service sends people into the branch they can't do anything for them. He proceeded to call his operations leader where they said the something that because the account is new and I did mobile deposit nothing could be done. I let them know by doing this and not even making a part of the funds available if the whole check couldn't be made available was going to put me in a hardship. I'm not able to pay rent, put gas in my car, or buy groceries for me and my family. All I got was I'm sorry. No other options or resolution had been made available to me. So from Friday XXXX to Fri XX/XX/11. I have no money to operate with my kids start school and I have no access to anything. I have had to go to a food bank, sell things in order to get enough to try and live for the time they placed a hold on my paycheck. Both sides of the operation is blaming the other with no resolution for the customer who is left between the two. There was no warnings or statements before depositing the money via the mobile deposit that this would happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are numerous inaccuracies reported on my credit report, including unauthorized hard inquiries, unrecognized accounts as well as incorrect demographic information. I have reported these issues to Equifax, XXXX and XXXX since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax regarding a Public Record ( Bankruptcy ) on my credit report via certified mail on XX/XX/XXXX. The dispute is in reference to the following item : I am disputing the following item on my credit report. Specifically I asked Equifax to verify this information and show me how they had verified this information. 

Bankruptcy Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Liabilities : Individual/Joint : Individual Individual/Business : Individual Bankruptcy Disposition : K-DISMSD/CLSD CHXXXX Current Disposition Date : XX/XX/XXXX XXXX Amount : Equifax responded on XX/XX/XXXX claiming that they verified this item based on information from a 3rd party, XXXX. 

I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus or 3rd parties such as XXXX XXXX. Furthermore XXXX replied to be via mail on XX/XX/XXXX that they do not have any information related to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Info Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 TU 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 of 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 had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as XXXX, XXXX  and Experian.
Product: Mortgage

On XXXX XXXX,2015 I had a house fire in XXXX room of the existing house contain to XXXX room of the house not the mobile home that is mortgaged to Greentree. 
The insurance company paid off the fire but the check was made out to myself and Green Tree I was told to send the check for their endorsement in doing so they kept the check requesting different documents after submitting everything I thought they asked for they have yet to send me anything to complete the repairs with. I had a friend helping me with the repairs but he got a job and had too stop so I have done the job myself with donations and love offerings for family and friends and have explained this to them, now they want the contractor number and all sorts of things but have not release any of the funds. They did send back the money I paid the guy for helping and the little I paid for the supplies I was able to buy but, nothing since then I have tried on several occasions to speak with someone from the claims dept. when they 're not being rude they put me on hold then hang up and wo n't answer the phone anymore
Product: Debt collection

Hello, thanks for the opportunity to talk about my issue. I moved from XXXX to XXXX XXXX  on XX/XX/2022. This week I've notice a debt collection under LJ ROSS Associates was posted under XXXX AND XXXX.I didn't have the opportunity to validate if this is a valid DEBT and if so, im more than happy to make a payment plan, but first I would like to dispute and if DEBT COLLECTOR can proof otherwise I will more than happy to make arrangements. I've request USPS to forward all mails to my new address in XXXX  before I moved from XXXX  to XXXX and I never received any mails from XXXX which is the debt reported under both credit bureau above. I don't know how to deal with this. 

Could you please help me? 

Thanks so much XXXX
Product: Debt collection

Portfolio Recovery put a {$470.00} collection on my credit report claiming it's a debt from XXXX, I've contacted XXXX and they stated that my account is in good standing and I don't owe any debt, Then i called the debt collector they said they'll submit a dispute however it's still reporting to my credit bureau, The collector asked me to do incapacitating requests. 
The collection agency also stated that the debt was owed back in 2018 however they never attempt to contact me once since. I contacted them when they negatively reported to my credit report, the collector also said that I lived on my business address which's not true. 
Note : I never took credit from XXXX, however I use them to make payments on the spot using my credit card on file.
Product: Debt collection

I resided at XXXX XXXX 1 year. After that, they wanted me to renew my lease. Mind you, I was paying XXXX a months, XXXX XXXX bedroom, landlord wanted to charge me XXXX a month if I didn't, we knew my lease, I told them I am moving. Now he wants to hit me with a {$1700.00} bill because he's mad because I left And mind you, I pay my rent before the first
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handing of disputes, particularly in light of the recent CFPB lawsuit. While using zelle several times and reporting the discrepancies my financial institution and zelle failed to investigate properly. The CFPB 's findings indicate that zelle has not only neglected to protect consumer but has also allowed repeated offenders to exploit the system leaving us the consumer at risk.
Product: Debt collection

Third party debt collectors working for the Army and Airfare Exchange Service are using unlisted, unknown and untraceable VOIP phone calls to harass me even though I have asked them not to contact me and harass me multiple times a day. As of yesterday I received 7 calls in one day. 

Please stop AAFES from continuing to harass me. Force them to clear the debt and pay restitution for utilizing unfair and illegal communication practices to take advantage of a XXXX veteran on a fixed income.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Vehicle loan or lease

XX/XX/year> storage fees where assessed XXXX but XXXX  XXXX doesnt XXXX storage fees. An if I came an picked the car up myself they wouldnt have XXXX any fees. They dont even have any signs up of a storage fee may apply I reached out to XXXX XXXX several times to rectify this matter. 

XXXX my car was repossessed without any letter being sent to me to cure. 

XXXX Santander executive offices refuses to put the XXXX on the back end of the loan or at least half of. Which they can do but refuse to do. XXXX or so is hard to come up with in just a month.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 I requested XXXX to investigate and remove a charge off .Report Number XXXX This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency, ( Bureau ), any WRITTEN CONCENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONCENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 



Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Listed XXXX XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting or other personal consumer reports

I have a nolle prosequi on my record from the state of Tennessee XX/XX/year>. Please completely remove and discharge as the State does not see a reason to move forward.
Product: Credit reporting or other personal consumer reports

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 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 accounts listed IMMEDIATELY!
Product: Mortgage

I have been attempting to set up an escrow payment account with BMO Harris mortgage company since the beginning of the year. After a series of errors and delays,, the company finally collected the amount of {$3800.00} to an escrow account. on or about XX/XX/2021. However, the company has never started my escrow payments on my monthly bills. I have made numerous calls to the Customer Service number XXXX, and am always told the issue is pending and will be resolved '' tomorrow, '' or " next week, " but they will not allow me to speak to the escrow department. They always say they are escalating the issue for action. 
I was promised the account would be active for XXXX, then they changed it to XXXX. Now we have missed the XXXX billing period so it is pushed to XXXX. The taxes will be due to XXXX XXXX County by XX/XX/2021 so we need to get going! I have tried to work this out with the company but nothing has been accompished.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I demand Equifax, XXXX and XXXX remove the accounts listed on the affidavit of fact for a list of the violations from these accounts Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By Equifax reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974.
Product: Debt collection

On XX/XX/2024 I called to have a payment canceled that was scheduled for XX/XX/XXXX. I got transferred to a voicemail which I thought was unacceptable since didn't cancel my payment as is my right under XXXX. I called back and asked to speak to a manager. I got transferred to XXXX XXXX ( sp? ) and explained my issue. He proceeded to transfer me right back to the voicemail without even allowing me to respond to him before transferring. I tried to call back and ask to speak to a manager and was just sent to his voicemail. Its ridiculous that I have to jump through so many hoops to cancel a payment. I am on the phone. It is my right to cancel the payment, and they wouldn't cancel the payment. Beware of the unethical and illegal tactics used by XXXX XXXX XXXX.
Product: Debt collection

Dear CFPB : Resurgent Capital Services keeps trying to collect on an old, already-repaid credit card debt. I repaid this credit card debt in XXXX 2006! 

Unfortunately, the original collection agency never reported my debt as repaid to the XXXX main credit reporting bureaus. 

Today, Resurgent Capital Services called XXXX of my relatives and left a " threatening, creepy '' message for me on his answering machine. This is totally illegal! Resurgent should not be harassing my relatives or friends! They should not be leaving threatening messages! 

I already sent Resurgent XXXX letter, via certified mail, stating that I had repaid the debt in 2006. 

In addition, XXXX XXXX XXXX and XXXX XXXX both stated they were no longer going to try to collect on the debt, as it had already been repaid. That is why I was very surprised to hear I had received a threatening message today from Resurgent Capital Services.