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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Product: Credit card or prepaid card

Back in XX/XX/XXXX. I lost my wallet with my drivers license and credit and debit cards, I reported an unauthorized charge to comenity and they opened a dispute for the charges on XX/XX/XXXX for XXXX in the amount of {$630.00} and XX/XX/XXXX XXXX XXXX in the amount of {$100.00}. They returned the money back to my card and sent a new card to my address on XX/XX/XXXX they added the charges back to my card saying I was responsible for it because according to them I presented my ID when picking up items at the store. Since I lost my entire wallet obviously the person who charged my card also used my drivers license. I requested the case to be reviewed and at the moment the charges are not back to my card and I refuse to pay something I did not authorize. per card agreement I am not liable for charges I did not make. I also received a letter dated XX/XX/XXXX where states AFTER OUR THOROUGH INVESTIGATION OF THE CLAIM, WE HAVE CONCLUDED THAT YOU ARE NOT RESPONSIBLE FOR THE DISPUTED BALANCE AMOUNT ON THIS MASTERCARD ACCOUNT. Please find attached a copy of the letter sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act Convergent and according to 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 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX XXXX Account # XXXX 7. Account Name : XXXX Account # XXXX 8. Account Name : XXXX XXXX XXXX Account # XXXX 9. Account XXXX : XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 
( Pub. L. 90321, title VIII, 806, as added Pub. L. 95109, XXXX XXXX XXXX XXXX XXXX. XXXX. ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
Product: Credit reporting or other personal consumer reports

I opened an account with Santander on XXXX an as of today the account is listed as current with all XXXX bureaus with the exception of XXXX late payment notations. The problem with this is I never provided written authorization for Santander to communicate any information personal, nor business related and in Pursuant to Title 15 U.S.C. 1681a ( d ) ( 2 ) I should have the final say as to what's being published on my consumer report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me.This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the ACCOUNTS I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE these accounts at the earliest possible time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was my moms not mine and still showing on my credit history. Called XXXX multiple times and keep getting the run around. They called and harassed me many times and I had to change my number.
Product: Debt collection

Dear True Accord, This letter serves as a formal notification to immediately cease all communication regarding the debt associated with account number XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692c. Please refrain from contacting me via phone, mail, or any other means regarding this debt. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times in the last month I have spoken with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. ( the agency that collected the debt ), they have both verbally and in writing confirmed the debt is paid in full in settlement. They had updated Experian with this information, but now they updated Experian again, showing the account has a balance and is past due. 

I'm tired of asking them to fix this error, so now I want the world to know what they're doing to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  ( Original Creditor : XXXX ) # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Credit XXXX XXXX XXXX XXXX XXXX XXXX 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

I've submitted FTC and Police Report to this Credit Reporting Agency ( EQUIFAX ) on XX/XX/2021 according to FTC these fraudulent accounts resulting in Identity Theft must be removed in XXXX  days pursuant to XXXX usc 1681c-2. 


I've asked EQUIFAX to please delete XXXX XXXX AND XXXX  XXXX XXXX XXXX from my consumer report which they have failed so.
Product: Debt collection

All three credit reporting agencies are reporting inconsistent, inaccurate different dates of reports last activity dates different charge off dates, XXXX XXXX reporting XXXX, experian reporting XXXX, equifax not reporting a t all which is incomplete reporting. For mariner finance account # XXXX
Product: Student loan

Ive already paid off multiple loans with Navient but I need some more time to pay off the remainder of my loans. I am receiving up to 10 calls per day at all hours of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX : {$470.00}.
Product: Credit card or prepaid card

I am trying to request a payoff amount for my American Eagle Outfitters ( AEO/SYNCHRONY BANK ) card however they are either unable to give me an amount or unwilling to do so. I spoke with a representitive and she refused to transfer me to a manager when I requested and then proceded to hang up on me. I may be wrong, but having worked for a credit card company I 'm pretty sure that it is federally mandated to provide consumers with their payoff amount calcualted to a certain date pending no additional purchases are made.
Product: Mortgage

FORECLOSURE FRAUD CONSPIRACY. PLEASE HELP INTERVENE.. THANK YOU, CFPB. 

Attached documents for your examination ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent investigation back in XX/XX/2020. Recently last month, no sign of investigation nor information given. Everything has been tracked and showing in receipt. Per XXXX XXXX XXXX these debts I was never notified in 5 days. Im not aware of these debts and very unfair for XXXX to say I owe a debt thats NOT correct. I didnt get into contract with this company and I always pay ALL my debts. Also per XXXX XXXX XXXX, multiple violations have been committed. I have not got any information from the credit bureaus and have submitted investigations yet no information given and its been over the allotted timeframe per Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted immediately from my credit profile : XXXX XXXX XXXX XXXX Update to never late XXXX {$0.00} XXXX XXXX XXXX XXXX  {$450.00} XXXX Remove
Product: Mortgage

In XX/XX/2019 I made a mortgage payment to Certainty Home Loans. I did not realize that XXXX XXXX XXXX was the new servicer. Certainty Home Loans did not forward my payment to XXXX XXXX Loans until XX/XX/2019. By that time my loan was sold to XXXX. XXXX began servicing the loan on XX/XX/2019. I have reached out to all three companies repeatedly for several months ( via phone and email ) and provided proof of payment but no one has been able to get my payment recorded properly. I am XXXX XXXX military ( XXXX XXXX ) and currently on XXXX XXXX  assignment away from home. I should not have to continue to reach out to these companies with no resolution. I would like my credit report fixed and any late fees/interest credited to my loan. I believe all three companies are in violation of RESPA and FCRA.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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

have discovered a XXXX collection on my account, and I am unsure of its origin and how my information was obtained. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IC Systems appeared on my credit report from XXXX for {$2400.00}. I called XXXX to get and a break down explaining how I owe them this amount and they refused to provide me any information and instructed me to call IC Systems. I called them and they also could not provide me with a breakdown besides saying it was for equipment. I asked them what equipment was listed and they stated it was two phones. In 2019 I had only one phone with XXXX for two years and a digit line and the phone was paid off. The representatives could not give me any other explanation but stated they will do an investigation and for me to call back in a week. I called back multiple weeks without results or validation of the debt. I filed a dispute with the credit bureaus and they only updated the information and after speaking with an agent they stated nothing was submitted to validate the information but just updated it and instructed me to file a complaint.
Product: Debt collection

XXXX/XXXX/17 A female operator contacted me from Dynamic Recovery claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.
Product: Student loan

I co-signed a student loan thru NAVIENT for my nephew and when he failed to pay, Navient contacted me in XXXX XXXX. I pay XXXX payments and my nephew took over the payments. In XXXX XXXX I received a " Charged off as bad debt '' loan default on my credit report. The company never contacted me and I assumed my nephew was making payments. How can Navient default the loan, without contacting me, the co-signer?
Product: Debt collection

The collection agency has engaged in false misleading practices violation of fdcpa XXXX. Additionally they have provided forms violating fdcpa XXXX. They also failed to provide me with required written notice in XXXX days in advance
Product: Debt collection

I converted billing statements from online to paper so as to utilize the coupon attachment along with tender of payment as a negotiable instrument for offset of debt. A written request for debt validation in the form of a conditional acceptance affidavit was sent to the companys CFO. Several attempts were made by me to offset the debt via negotiable instruments & affidavits with tender of payment were mailed to the company/companys XXXX. They responded by stating that they didnt accept my valid form of payment & refused to offset the alleged debt, yet they did not send me back the negotiable instrument that I sent them. Ultimately they reported the account to the credit bureaus, thus damaging my credit reputation. In addition, records indicate that the account was closed on XX/XX/year> yet they are continuing reporting to the credit bureaus as well as continuing to attempt to collect payment.
Product: Debt collection

Through the year that Harvey hit XXXX the company has had problems with their phones and communication at one point they were posed to be delivering me a replacement phone but it got lost in the mail and I was held they made me on countless times lose money and harassed me try to so party that put me in that position when I could not get the help that I need from them with their bad communication but want to turn around and asked me to pay for their mistakes