23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt collector XXXX called personal number during my work hours. I had immediately told them that I was busy with a client and could not take their call. Within 30 seconds my front desk receptionist tells me I have a call on the line from the exact same employee who I had just spoken with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, Creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$30000.00}, XXXX XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$6800.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$25000.00}, XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$3700.00}, XXXX XXXXXXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4800.00}, 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
Product: Vehicle loan or lease

Company is Chrysler Capital LLC. Auto loan taken out for new XXXX  XX/XX/XXXX, not being reported to any credit reports. Here we are XXXX yr later, still not on my reports. Have contacted Chrysler Capital executives and been lied to multiple times. The XXXX time being XX/XX/XXXX, it's currently the end of XX/XX/XXXX. They promise me each time I call, that the info is being reported but it's not. It never is. They give me audit numbers and everything but it NEVER appears on any of my credit reports and it's sad because my scores would be so much higher if this were accurate. I can not obtain a loan or mortgage with ethical rated because my credit score is too low, despite the fact that I've been keeping a mortgage worthy high interest payment under and in time for years without issue... so sad. Bankruptcy was filed and discharged ( NOT RELATED TO XXXX! ) XXXX or XXXX of XXXX. XXXX was purchased months AFTER discharge, so why is Chrysler suppressing my act info?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax disputing unauthorized inquires on my credit report. 

XXXX Date of inquiry : XX/XX/XXXX Its had been more than 30 days since I've received a response XX/XX/XXXX, I sent a second request demanding an investigation into the unauthorized inquiry listed above.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Request for Investigation and Removal of Incorrect Credit Reporting Information Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter related to the credit reporting of an account that has been charged off and closed, which continues to adversely affect my credit report despite my efforts to rectify the situation. 

The specific issue involves the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 2 ) : I have observed that the credit card account, which was charged off and closed, is still present on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), information that is inaccurate or can no longer be verified must be promptly removed or corrected. Despite the closure of the account, its persistence on my credit report is inaccurate and requires immediate attention. 

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : I formally requested the removal of this inaccurate information from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ), which stipulates that consumers have the right to dispute inaccurate information and have it investigated and corrected. Despite my efforts, the inaccurate credit reporting remains unresolved. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and facilitate the removal of the inaccurate credit reporting. The persistent presence of this charged-off and closed account is negatively impacting my creditworthiness and financial standing. 

Your prompt attention to this matter is greatly appreciated, and I trust that your intervention will lead to the resolution of this issue in accordance with the established consumer protection laws. 

Thank you for your assistance and commitment to upholding fair credit reporting practices. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the FCRA 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX, and XXXX are consumer reporting agencies, I am the consumer. It is my right to make sure my nonpublic personal information isnt share which is backed by 15 USC 6801. It states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers Nonpublic personal information. XXXX and XXXX XXXX XXXX XXXX are financial institutions by definition under that title. According to 15 USC 1681 section 604a section 2, In general any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to which it relates. XXXX and XXXX XXXX XXXX XXXX the financial institutions, and the consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and definitely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX, whether it be verbal/nonverbal, written, or implied is revoked. According to 15 USC 6802 ( b ) ( c ) A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise the non disclosure option. XXXX and XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts are adverse items they are reporting without my consent which is unlawful. 15 USC 1681 ( s ) ( 2 ) ( A ) ( 1 ) ( A ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. 20 USC 1232 ( g ) ( b ) protects the privacy of students education records and prohibits information such as financial records from being disclosed without written consent of the consumer. 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover incorrect accounts on my credit report, and I can't understand why they're showing up. I regularly check my credit report, and this time I was surprised by discrepancies that appeared out of nowhere. I even tried refreshing my browser, thinking it might be a mistake, but the inaccurate accounts were still there. Because of this, I'm urgently requesting a thorough review of the documents I've provided so that I can stop worrying about this happening again.
Product: Mortgage

I submitted a loss mitigation application back on XX/XX/year>. I never received a response back from it. Just a response to the complaint that it was received. I never received a denial or acceptance from that application. 

I then applied for XXXX Bankruptcy due to LoanCare never responding to my loss mitigation application and sending letters that I was in default. 

I received an application in the mail for Loss Mitigation on XX/XX/year>. At that point, I submitted a new application. I was hoping for Unemployment Forbearance through XX/XX/year>. I also emailed them again on XX/XX/year> since I never received an email that they received either application.
Product: Credit reporting or other personal consumer reports

They stole my identity and opened accounts which I am disputing and requested an independent investigation which they did not send to me and they did not delete the accounts from my credit report. These are the accounts Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently sold an item on XXXX which requires a paypal account to do. On XXXX XXXX paypal closed my account and informed me I would n't be able to send or receive any payments on that account. On XXXX XXXX the item on XXXX  sold and the buyer paid and paypal accepted the payment into my account even though it was n't supposed to. They then proceeded to tell me that because my account was closed they were going to hold my money for 6 months before they would let me have it. Today XXXX XXXX I was able get a supervisor to agree to let me transfer my money to my bank account I had linked to my paypal. I tried several times to transfer it but the system would n't let me so I called them again and the agent then said that I would n't be able to transfer the money because they reviewed and closed my account today and were going to hold the money for 180 days. I told them that the account was closed on the XXXX and I the supervisor named XXXX had lifted the limitiation and i was supposed to be able to. She said according to her records the closure was from today and nothing would or could be done. I then referenced the email from them at XXXX XXXX saying I could transfer my money out. She would n't listen i then referenced their own user policy which stated that an account owner would be given an opportunity to transfer out any funds before they closed it. She did n't care. The money should have never been allowed to go into the account to begin with and they new that that 's why they pretended to let me transfer the money out only to a few minutes later re block it. So they could then claim the closure came after the f Money was added and could then keep my money for 6 months.
Product: Debt collection

This company never made contact with me about any potential debts that they had for me. They have listed 2 medical debts on my credit reports without notifying me. I want these debts for {$1800.00} and {$720.00} removed from my credit reports until they can be properly validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXE XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2022
Product: Debt collection

After receiving this paper bill through the mail, I called my dental office to verify. My dental office said I was all paid up and had a XXXX balance. The office XXXX confirmed that the bill was fraudulent, which is why I decided not to contact them but report them instead.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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
Product: Credit reporting or other personal consumer reports

Experian Will not remove accounts that are not mine. the are refusing too do it.
Product: Credit card or prepaid card

My Chase United Card ending XXXX notified me in XX/XX/2020 I had a delayed payment due. I logged in my online account, noted the delay, and was notified in my online account that my account was closed and I need to pay any outstanding balance. 
SO on XX/XX/2020 I payed the entire remining amount on my account of XXXX to bring this closed account to XXXX balance. I then destroyed my card. 

Last month on noticing my credit score go down, due to delayed credit card payment I went back to check my current and prior accounts - I noticed since XX/XX/2020, I was being charged interest and delayed fees on my closed and completely paid account. NO email, letter or notification of any kind was sent - delayed payment fees was continuously being charged. Having the account closed and paid off and with no notification, there was no reason for me to know I had an outstanding delayed balance. 

Since then I have repaid the outstanding illegitimately charged interest and delayed fees ( charged without any notification ) and verbally confirmed ( representative XXXX and XXXX XXXX ) that my account is definitely closed and there are no outstanding interest charges. 

Chase has behaved improperly collecting interest and late fees without notification so I was not aware of outstanding payments which further affected my credit score significantly. When accounts are closed and payed in full Chase fails to disclose that and keeps charging fees - this practice should not affect customers of hundreds of dollars and more importantly affect their credit scores due to unknowing " late payment '' as customers are not being notified
Product: Credit reporting or other personal consumer reports

I have not Supplied Proof Under The doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion explaining that I am a victim of identity theft. I included the FTC Identity Theft Report, police report, Proof of Identity, copy of my credit report and the Fair Credit Reporting Act Section 605B as well as the fraudulent accounts it has been well over 30 days and these items were not removed as I requested. XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXXe account number XXXX, XXXX XXXX  account XXXX   and XXXX XXXX XXXX XXXX account XXXX, XXXX account number XXXX, XXXX XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am extremely XXXX. i sent in a dispute on my behalf well over 60 days ago and present this day which is XXXX nothing has been done. i also noticed that they have not updated my consumer report with any indication that i have been disputing the items on my consumer report. my first dispute dates back to XXXX of XXXX and still my report indicates nothing that i have disputed this negative information which is the failure to communicate that a disputed debt is disputed. with that i am requesting that the items be removed from my consumer report and an updated consumer report showing that be sent to me. i would very much love it if the consumer reporting agencies do the job that they have assumed the position to do. Also i never provided them with the written instruction to put these accounts on my consumer report, they did not have permissible purpose. my report also shows these accounts are collection accounts but have a balance, which is not even possible. at this point i notice that the consumer reporting agencies are throwing anything on my report as long as they are getting payment to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have notified Equifax that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX XXXX XXXX XXXX XXXX  | Status : Discharged Your cooperation in this matter will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my XXXX XXXX account several times of the past couple of years, and for some reason they keep on verifying incorrect information on this account which I do not understand! They are reporting me late 120 days for three consecutive months which is incorrect and inaccurate reporting! If I was indeed late it should be 120, 150 and 180, but they verifying false information! On my account! The negative months are XXXX and XXXX of XXXX and XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.