23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was a XXXX form files that you have not addressed. Attached below Also Under the XXXX XXXX of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. And you have reported such information which means fraud has been taken place Instructions for Borrower ( the company ) Certain lenders who acquire an interest in property that was security for a loan or who have reason to know that such property has been abandoned must provide you with this statement. You may have reportable income or loss because of such acquisition or abandonment. Gain or loss from an acquisition is generally measured by the difference between your adjusted basis in the property and the amount of your debt canceled in exchange for the property, or, if greater, the sale proceeds. If you abandoned the property, you may have income from the discharge of indebtedness in the amount of the unpaid balance of your canceled debt. The tax consequences of abandoning property depend on whether or not you were personally liable for the debt. Losses on acquisitions or abandonments of property held for personal use are not deductible. See Pub. 4681 for information about your tax consequences.

Property means any real property ( such as a personal residence ) ; any intangible property ; and tangible personal property that is held for investment or used in a trade or business.

If you borrowed money on this property with someone else, each of you should receive this statement.

Borrower 's identification number. For your protection, this form may show only the last four digits of your social security number ( SSN ), individual taxpayer identification number ( ITIN ), adoption taxpayer identification number ( ATIN ), or employer identification number ( EIN ). However, the issuer has reported your complete identification number to the IRS.

Account number. May show an account or other unique number the lender assigned to distinguish your account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i mail a letter to ally financial. because i saw a copy of my XXXX credit report and notice it has an inquiry on with date of XX/XX/2023. i didn't authorize this inquiry. 
in my letter explained that the are in violation of the fair credit reporting act 15 u.s.c. 1681b ( a ) 3 ( f ) ( i ) for unlawfully obtaining my XXXX consumer report on XX/XX/2023 without my authorization or permissible purpose under the 15 u.s.c. 1681 fcra and its guidelines for permissible purpose.
Product: Credit reporting or other personal consumer reports

Five hard inquiries reported on my credit report.

Two of them being the same company.

These companies were not given any permission to report on credit.

Code violation : 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Social Security Number : XXXX DEAR Equifax XXXX To Whom It May Concern this is my XXXX Request : I received a copy of my credit report a few days ago and am writing to dispute these items on my report that needs to be corrected. I have circled and numbered the items on the attached copy of the report. The reason why this item should be corrected is indicated below : ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Via Dealer Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX  XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. According to the provision of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be reinvestigated or deleted from my credit report within 30 days. In the interim, this item should be noted on my credit report as in dispute. I am also requesting the names, addresses, and telephone numbers of individuals you contact so that I may follow up. Also, my last cfpb complaint # XXXX to show I reported this issue multiple times. 


If it is determined through your investigation that the disputed items is inaccurate, please correct my report and send me a notification that the information has been updated. I am requesting an updated copy of my credit report, which should be sent to the address listed above or email. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had trouble getting in touch with Experian to get a copy of my credit report. I have tried on line ; their website times out after I give them my info. On the phone I have not been able to speak with a human being, only a robot with no access available to a agent.
Product: Credit card or prepaid card

XXXX XXXX, XXXX Card. Today I tried logging into my account. My login information had been changed. I called online and I was told my address had been changed as well. I have since looked at my past statements and my address was correct and unchanged for the past year. After logging in I found out that my credit limit had decrease. I tried contacting live chat twice. At first I could not type and I was disconnected. I explain what I stated above and I am told we sent you a letter - how did you send me a letter if you claim my address was wrong. I then state that my payments are automatic, never late and my pay scale has increased. I asked when they changed my limit. They refuse to answer and say my credit report was used to lower my limit. I asked for corporate contact email and phone number 6 times and they provide me with a name and nothing more. Then I received a link to provide them with a compliment for customer service. They should not have decrease my limit, lowered my credit score and ignored my requests in writing for information. I tell them that my identity was stolen last year and that was the only way I was transferred to a manager who tells me to have a sunshine day. I want the company investigated for fraudulent practices
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent Equifax a followup letter regarding a previous letter from XX/XX/2021 and XX/XX/2021, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX ' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/2021 that has not been addressed neither by the credit bureau XXXX note the credit, XXXX XXXX XXXX. They are both in voliation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Equifax and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Equifax.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

XXXX refuses to remove a 30 day late from my credit report even though I have shown a copy of my bank statement showing they were paid on time.
Product: Money transfer, virtual currency, or money service

I send two payments to a XXXX XXXX in XXXX via PayPal Friends and Family method. The XXXX XXXX did not send product as described. I reached out to PayPal and they did not help recover the money even though they know it's a scam. If PayPal charged me service fees for sending money via their service, then they should have protection for its customers. PayPal can not allow these scammers to continue to scam people. When PayPal doesn't take action to protect consumers, they fail as a company and should not charge us service fees. I ask that CFPB work with PayPal to help recover my money lost to the scammer XXXX XXXX. Thank you very much for your time.
Product: Money transfer, virtual currency, or money service

Transferred money on XX/XX/XXXX to XXXX, money was supposed to reach receiver in minutes, it has been 5 days, XX/XX/2024 and there is no ETA as to when the money will arrive. Their excuse is they can not cancel the transaction although they took my money out of my account already.
Product: Debt collection

For the past 6 months or more, I have been receiving incessant phone calls from what claims to be verified numbers from a debt collector known as Portfolio Recovery. They have called from nearly 50 different phone numbers with area codes from multiple states so blocking the calls doesn't really do anything. I will attach as many screenshots as I have the patience for ( there are currently 47 ) of all these phone numbers just to prove how excessively and relentlessly I have been spammed with these calls. I just got married and changed my last name in XXXX 2022 and that is pretty much when all of this nonsense started. I have no outstanding debt whatsoever, beyond monthly credit card usage that I pay off within a month 's time frame. If I had actually had any debt that would merit calls from debt collectors, I am pretty sure it would be negatively impacting my credit score. But I have credit score monitoring from a couple different companies which I check on a monthly basis and my score hasn't been below 750 in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know who the company is that are reporting and eviction. I know nothing about the information that is being reported. I dont know how they got my information, I didnt give them my information.
Product: Credit card or prepaid card

I had no balance on my card after my initial purchases in XXXX because I paid it off in full in two payments including one in XXXX for half and XXXX for the other half ( including interest ). I was unaware there was a finance fee charged and additional interest ( {$1.00} ) on a nonexistent balance and I didn't receive any paper statements alerting me of this balance. I had paid in full so I did not check the balance and recently discovered I had accrued months of late fees and interest charges after a paper notice was sent to me months after these charges were applied when no statements of my balance were sent prior to this. This was reported to my credit score and I am very disappointed as I was excited to be an XXXX XXXX cardholder and now it has had a negative impact on my credit score. I have never missed a payment until now and I feel blindsided by the fees and would like this to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
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/XXXX The following inquiries were not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day ( XX/XX/2022 ) which I did not apply for and there was one that was created a few days before ( XX/XX/2022 ). I did not apply for any bank or credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I filed numerous disputes with XXXX XXXX XXXX, Santander consumer USA, and XXXX XXXXXXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.
Product: Debt collection

Mercantile Adjustment Bureau has reported a collection account to my consumer credit file. I do not owe this alleged debt.Mercantile Adjustment Bureau HAS NEVER SENT any notice of collection to me ever. This is a strong violation of the FDCPA. If Mercantile Adjustment Bureauhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any notice of collection fordebt validation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the credit reporting for my account, number XXXX XXXX XXXXXXXX. It has come to my attention that your company has failed to verify the accuracy of this account, which is a violation of my rights under federal law. According to the Fair Credit Reporting Act ( FCRA ), it is illegal for a creditor to report inaccurate information if it has not been properly verified. Collection name XXXX XXXX  has not ensured the accuracy of the account in question, I request that the account be removed from my credit report immediately. I kindly request that you : Remove the Account : Ensure that the inaccurate account is removed from all credit reporting agencies to correct my credit history. Provide Written Confirmation : Send me written confirmation once the account has been removed and my credit report has been updated. Please address this matter promptly. I expect a resolution within 15 business days from the date of this letter.
Product: Credit reporting

EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 
Although I have disputed " this '' item at least 4 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX XXXX - Account XXXX 1. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( 2008 ) XXXX. The Tradeline has an Activity Desinator of N/A, and can not - as it is closed and has been closed since 2008, Please update this account to PAID/COSED XXXX. This account then, lacks it pay history for the duration of time in which it was open, AND IS INCOMPLETE. Please publish the Tradelines full payhistory. 
XXXX. This Tradeline then lacks its balance history for the duration of time in which it was open, AND IS INCOMPLETE - Please publish the tradelines full Blanace History 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed - the account was not open for 73 months - that value was generate - is generated by your system using the Open date and that Activity Designator that has been wrong for over 8 years. Please fix the actual duration of this tradeline. 
Although this is my oldest tradeline, and because it remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline,
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Amex account # : XXXX, date open XXXX, status open. CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Amex to remove negative mark due to an error from their system from all 3 reports. I tried to do this with a goodwill explaining what happen and Amex did not even mark account as disputed therefore not even an investigation was made. This is a big violation to the Fair Credit Reporting Act, plus negligence, unfair business practices and the etc., etc. I want an immediate deletion letter from Amex, stating the removal of the of the erroneous negative mark related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and want the negative mark to be remove, but if you want to go to court, that way it shall be. I understand that anyone can make a mistake, but that mistake is financially killing me. Please be reasonable. I have a {$500000.00} mortgage pending because of thie issue and I alreadu gave $ XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Credit reporting or other personal consumer reports

While checking my credit report a few months back, I noticed errors concerning the account for MIDLANDCRE ( XXXX ). This is a violation of my rights. I contested these errors with the three credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Consumer Loan

Discover personal loans sent collection letters to my partners residence, which is incredibly invasive as i have never resided there, used them as a credit reference, or have any credit affiliation with my partner.
Product: Credit reporting or other personal consumer reports

I am lodging this complaint on my own behalf. After reviewing my credit record, I found instances of late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this issue.