23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX Account XXXX has violated my rights. Or a 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: Debt collection

I reached out to JC Penny several time to let them know that a credit card was put in my name. The response I got from JC Penny was that XXXX   verify that it was mines. I tried to explain to Jc Penny that it was not me and to file a complaint. I also sent in several letters to XXXX  and made tones of calls. XXXX  stated I need to file a police report, which I did and the police stated there is noting they can do. I reached back out to XXXX   stating I file a police report, but the police stated they can't do anything. I had a fraud alert place on XXXX, XXXX  and XXXX. I noticed the fraudulent in XX/XX/XXXX when I pulled my credit report. I sent over letter to XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also called. Both JcPenny and XXXX refuse to remove the debt. 

Amount {$1000.00}
Product: Credit reporting or other personal consumer reports

I've received a copy of my Chexsystems report and saw fraudulent accounts reporting without my permission or consent I demand these accounts to be removed immediately Due to FCRA Law Violation for A Consumer.

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to block fraudulent information from their credit reports. This includes information that the consumer believes was the result of identity theft. 15 USC 1681B Permissible Purposes 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, XXXX for not more then 2 years. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Amount : {$210.00} Closure dateXXXXXXXX XXXX XXXX XXXXXXXX XXXX Amount : {$980.00} XXXX
Product: Checking or savings account

I opened a XXXX XXXX  account in XXXX, I stopped attending the gym soon after due to XXXX XXXX. I tried to cancel the account multiple times since then. My bank has been giving me continuous return item fees, so even though I have not been paying the membership every time they attempt and my account declines due to no money in the account they give me a return item fees. Monthly my account is over drafted by XXXX dollars due to this issue. Ive called navy federal a number of times and they have refunded for the situation 2 times. So from XXXX till XXXX I have experienced every month being over drafted.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( CHASE ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX  XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a XXXX collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of XXXX  legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
XXXX. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
XXXX. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting

The last time I filed a complaint with the CFPB and disputed items on my report, my score dropped over XXXX points with my credit only improving. It seems Equifax does n't like me filing complaints. After filing another complaint 4 months later, my score dropped another XXXX points. 

This is retribution as my credit is only improving. I will consult an attorney about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX, XXXX, XXXX and other accounts from them have violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 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 a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a dispute ONLINE WHICH shouldve taken 30 days to complete! This was a direct dispute which I have verification that I submitted that dispute! Meanwhile Ive gotten no update which in the previous complaint that submitted and TransUnion responded that they emailed me in my email. NO THEY DID NOT! Then they sent a letter out saying they were unable to determine the nature of your request or my request was illegible. This dispute was INITIATED ON XX/XX/2019. After checking the dispute status ON XX/XX/2019, I sent a Certified letter that same day which they received on XX/XX/2019 at XXXX XXXX.! 

On the previous response TransUnion stated that : According to our records, we received your initial request on XX/XX/2019 via online and initiated investigations into the disputed items. The investigation results were emailed on XX/XX/2019 to the email address provided with your disputes. Which is a lie because Ive checked every single email I have and spam folder and its very ironic they say it was completed 2 days before the initial end date meanwhile I still have proof that investigation has not been completed!
Product: Checking or savings account

Since I opened a Bank of America checking account for my mother Fall 2022, every other transaction I have made on her behalf has been flagged and the account has been restricted over 50 times. 
When I added myself as POA, my sister had my mother remove it but she only did so under duress. The bank is now using this as an excuse to continually restrict the account. My mother has short-term memory loss and forgot that she even signed the document. She needs my help. Now that I added myself as co-owner, the funds have been frozen ( {$4400.00} ), an investigation launched and XXXX XXXX XXXX were called. We moved {$35000.00} from the account to a different bank because BOFA kept freezing funds and restricting access. This has caused my mother excessive late fees and NSF charges in the thousands. 
BOFA asked me for proof that I pay my mothers bills, but it shows it on the ledger as clear as day. 
My mother needs access to her funds. She has told staff in the banking center on several occasions that she had given full consent to me accessing the account for any need. However, the staff continues to ignore this. She is not incompetent. There is no need to her freeze funds or investigate us for financial abuse.
Product: Mortgage

I 'm am a XXXX veteran, My home was foreclosed XXXX XXXX, XXXX. I have the copy of the Deed Under Power of Sale. Recorded in XXXX XXXX, page XXXX of the XXXX County, XXXX, deed records. 
The address to this property is : XXXX XXXX XXXX, XXXX, XXXX. XXXX. This trade line should have been deleted XXXX XXXX from my credit reports. I been inform that this trade line will remain on all XXXX credit reports until XXXX XXXX. The company 's name is : Select Portfolio Servicing Inc. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. 
Select Portfolio Servicing has falsified documents, stating that I had paid them after the home was sold XXXX XXXX, XXXX. The original creditor : XXXX XXXX. Subsequent creditor : XXXX XXXX. This Loan was a predatory loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on XXXX XXXX  sites and the fact my information was compromised in the XXXX  data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX
Product: Student loan

Paid Loan off, have letter. Another company Mohela is asking me to pay off loan, again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get my credit report and my credit scores or verify my info with the Equifax credit bureau I have called them many times and sent my information and requested to correct my report and still no respond
Product: Debt collection

National Recovery Agency contacted me XX/XX/XXXX via text message about this debt. Never received a written notice before or even after text message. I called spoke with someone asking how I could get it validated in XXXX that told me to respond to the letter. Letter never came so I received an email about the debt in XXXX. I replied to the email with the dispute letter that I had still with no reply. I disputed this debt with the credit bureau but I still haven't seen a validation to this date.
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. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ================================== 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: Payday loan, title loan, or personal loan

This is a " Predatory Loan '' I 'm finding out. Unfortunately the hard way. I received this loan on XX/XX/XXXX for {$10000.00}. Which at the time they took approximately {$500.00} in fees. For a total of {$10000.00} deposited into my bank account. It is now XX/XX/XXXX I have not missed a payment and have paid on time each month. My current payoff balance is as of XX/XX/XXXX {$10000.00}. Each month my payment is minimum of {$840.00} and maximum of {$850.00}. I have currently paid over {$16000.00} to Cashcall with no apparent end to this loan in sight. Extremely high interest rate 99.75 % I NEED HELP!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX I saw a lot of pre approvals on Credit Karma . I didnt pay attention at first but Credit Karma kept notifying me of all sorts of pre approvals telling me I was 100 % pre-approved for credit cards, personal loans, and refinancing my vehicle. Everyday I would be notified of these offers every-time I logged in to check my credit score. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. Credit Karma sent me so many offers I started telling my entire family about investments and vacations we could use the pre-approvals for. So I applied around sometime in XXXX or XXXX and I got denied for 2 credit cards, a car refinance and a personal loan. I was very disappointed and deceived since I was marketed to for months and months of Credit Karma telling me I was 100 % pre-approved. This was a lie! I was severally stressed out and XXXX for weeks. My XXXX  went from XXXX to XXXX. Now every time I see pre-approvals I immediately shut my computer and cell phone off. This has caused me to be so uneasy and XXXX  that I no longer check my credit as frequently as I used to and should. Credit Karma has caused me severe trust issues for deeply deceiving me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. XXXX failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Credit card or prepaid card

I am experiencing XXXX XXXX due to the inaccurate late payment that is appearing on my account, despite the fact that I have always made my payments on time. This issue is affecting my ability to sleep and is causing me significant distress. I implore you to take urgent action to update my account and remove the erroneous late payment from my record as soon as possible.
Product: Debt collection

Subject : Complaint Regarding Violation of Fair Debt Collection Practices Act Dear Consumer Financial Protection Bureau I am writing to formally report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by FEDCHEX RECOVERY LLC I believe the collection agency has engaged in the following unfair practices : misrepresentation, and failure to provide verification of the debt. 

These actions are in direct violation of the FDCPA, which protects consumers from abusive debt collection practices. I have taken steps to resolve this issue with the agency directly, but they have failed to respond appropriately I kindly request that the CFPB investigate this matter and take appropriate action against FEDCHEX RECOVERY LLC for their unlawful practices. If necessary, I am willing to provide any further information or documentation to assist in your investigation I am requesting the following 1. A comprehensive breakdown of the principal amount, interest charges, and any additional fees that have been applied to my account.

2. A copy of the purchasing agreement or contract that substantiates my responsibility for this debt. 
XXXX. Any documentation that confirms the legitimacy of the charges and the entitlement of FEDCHEX RECOVERY LLC to collect this debt Additionally, according to the Truth in Lending Act ( TILA ), I am entitled to clear and accurate information regarding the terms of the credit extended to me, including all fees and the total cost of credit. 

Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit reporting

A few months ago I had some issues with XXXX XXXX XXXX XXXX repporting XXXX delinquencies to the credit bureau. At the time it had affected my credit significantly since than negative reporting has been removed but my credit has never recovered since than. I have had XXXX XXXX remove an account reporting delinquent completely from the credit report only to be reported by a collection agency. That is incorrect. The last issue is that XXXX XXXX XXXX has falsely reported me for non payment and my insurance on the credit card made a payment for me towards the bill and XXXX XXXX XXXX is alleging that was applied as a credit and they are malesly reporting me for a 30 day 60 day and 90 day. all of which are incorrect. Ever since the XXXX XXXX XXXX XXXX issue my credit was never rescored.
Product: Credit reporting or other personal consumer reports

XXXX, and Equifax are currently reporting negative information as a violation to federal laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia  stated that they did not provide information to XXXX or Equifax and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.

Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.