23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid Off Mortgage loan number XXXX last month in FULL. Somone in the credit reporting department thinks it would be funny to report this account DISCHARGED in chapter XXXX bankruptcy on XXXX and cut out my payment history up to XX/XX/2019. I have attached credit report and proof from XXXX whoever did update on this account FAILED at there job and needs to be retrained. This inaccurate reporting will cause me trouble trying to get another mortgage and has lowered my credit score in which can affect interest rates. I will have to resort to legal action with my local consumer protection law firm.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I do not believe what is reported on my credit report by Midland Credit Management is valid. They show it as an open balance when is untrue. I do not owe them nor do I have any knowledge of this debt. They are unable to prove this debt belongs to me. Reporting that is an open balance is actually a violation of FCRA. I would like them to validate this. As they call me daily harassing but they are unable to validate.
Product: Credit reporting or other personal consumer reports

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


Account Number : XXXXXXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$820.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1700.00} Account Number : XXXX XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$770.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$2900.00} Inquieres -- -- -- -- -- 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: Debt collection

I received a debt collection notice from : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX This notice came in late XXXX and claims I owe a company called XXXX XXXX XXXXXXXX XXXX {$62.00} I have never had any dealing with a company called XXXX XXXX XXXX XXXX and it doesn't even appear to be a real company. I've lived in a condo for over 20 years and don't have any need for Fire insurance. I think this is FRAUD. Isn't there typically a bill from said company at least 2 or 3 times before it is sent to a collection agency? Not in this case. Out of blue, a collection agency or a bill that is not mine.
Product: Credit reporting or other personal consumer reports

Re : Dispute of XXXX XXXX XXXX Credit Report XXXX Bank Account Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX Bank XXXX XXXX credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Disputed Account : Account Name : XXXX Bank Credit Card XXXX and Errors : Incorrect Payment Date : The credit report lists the last payment date as XX/XX/XXXX, which is incorrect. This error violates the FCRAs requirement for accurate information ( 15 USC 1681e ( b ) ). 
I paid around XX/XX/XXXX I guess. 

Agreement with XXXX XXXX : The debt was paid to XXXX XXXX XXXX, who confirmed they would not report this negatively on my credit report and would send a letter stating this account will no longer report negatively. Despite this, XXXX Bank continues to report the account negatively. This misrepresentation violates the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( a ) ), which requires accurate reporting of information.

Debt Sold to Unlicensed Collector : The debt was sold to a collection agency that was not licensed to collect debt in the state of Nebraska at that time. This is a violation of state regulations and affects the legitimacy of the debt collection process. 

Failure to Receive Debt Validation : I never received debt validation from XXXX Bank, which is a requirement under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). Reporting the debt without proper validation is a violation of this act.

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ). 

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected or deleted, indicating potential willful noncompliance by the XXXX XXXX XXXX and XXXX Bank. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and delete any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681. The List of accounts below has been violated and I demand, they are deleted immediately.

Under 15 U.S.C. 1681 Section 602 ( A ) states my rights to privacy, which your company is in violation of.

Under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) Also states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not and do not give you consent to post the following items on my consumer report. 

Accounts XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX SXXXX XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

I refinanced my auto loan with another company and paid off my loan with Ally in full. There was an overpayment of {$1800.00} and was told a check would be issued back to me. 

Ally indicated my account was paid in full on XX/XX/XXXX and a check was issued back to me on the XXXX for the overpaid balance ( approx {$1800.00}. ) On Tuesday ( XX/XX/XXXX ) I contacted Ally to ensure I had no misunderstanding and that the check was in the mail ( before making another financial commitment ). The rep assured me it was in the mail and to give it XXXX more days. So I did. ( Note, Ally indicates they have a transcript of this chat, however when I asked for it today they refused to provide me with a copy. ) Today ( XX/XX/XXXX ) no check, so I got in contact with Ally again to confirm the address they sent it to. At this time an agent comes back and tells me the check was never issued and it could be another XXXX days before they issue the check. I went round and round and he said he requested my check to be expedited but it was up to the refund team, so I'm confident he was just trying to put me off. I am concerned they are stealing my money or I'm being swindled.
Product: Mortgage

A few years ago our account manager for XXXX XXXX  messed up our property tax through escrow. When we refinanced in 2020 they messed up the escrow adjustment again. Last year they started estimating our taxes at XXXX per year instead of XXXX and started charging XXXX per month for the escrow acct. I've called them several times to have this readjusted and keep getting told there is nothing they can do until XXXX XXXX releases our second installment bill which may be months from now. My escrow acct has XXXX in it and they're still having me pay XXXX a month into it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I have been working on my credit, I checked it 2 days ago it was at a XXXX I checked it today a d it had dropped 19 points with EXPERIAN! Checked my report and thing had changed ... Can someone pls help me
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Imagine Credit Card regarding its use and disclosure of my non-public personal information, which I believe constitutes a violation of my privacy rights under 15 U.S.C. 6809 ( 4 ) of the Gramm-Leach-Bliley Act ( GLBA ). As defined by 15 U.S.C. 6809 ( 4 ), non-public personal information includes personally identifiable financial information provided by a consumer to a financial institution in connection with a transaction, service, or otherwise obtained by the financial institution. Imagine Credit Card has reported my transaction historyspecifically, my payment recordsto credit reporting agencies. This disclosure of my transaction history constitutes an unauthorized sharing of my non-public personal information and violates my privacy rights under the GLBA. I did not provide explicit consent for Imagine Credit Card to share such information with third parties, and this action has caused me significant concern regarding my data privacy and security. I respectfully request that the CFPB investigate this matter and hold Imagine Credit Card accountable for any violations of applicable privacy laws. I also seek clarification on my rights under the GLBA concerning the sharing of non-public personal information with credit reporting agencies. Thank you for your attention to this matter. Please feel free to contact me at XXXX for any further information or clarification needed. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX made an inquiry into my TRANSUNION file without my authorization or knowledge. XXXX has acknowledged that a fraudulent application for credit was submitted using my personal information, they contacted me when they caught that it was fraudulent, and agreed to delete their unauthorized inquiry but have failed/refused to do so.
Product: Student loan

Immediately signed up to EdFinancials new student loan portal before the first payment was due in XXXX. Applied for SAVE program. Was at first able to log in. 

A few weeks before student loans were due, I tried logging in and every day since have receive errors that no loans are in record and my account is blocked. When calling, the phone system goes into a loop of entering your date of birth, social security number. Chat is never online and available. I emailed before my loans were due, and never received a reply. 

I received an email near XXXX that I had a message in my account, and could not log in. I just received a statement showing I have almost {$3800.00} due on XX/XX/XXXX! I should have {$120.00} max on the SAVE program, but I have no way of contacting them. 

This is ridiculous.
Product: Debt collection

According to the State Licensing Requirements the debt collectors that's collecting on my debt for Caine & Weiner, using address XXXX XXXX XXXX, XXXX XXXX, CA XXXX, isn't registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the company ( TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXXXXXX RE : inquiry removal While, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf. 

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

XXXX XXXX XXXX XXXX XXXX XXXX Best regards,
Product: Debt collection

Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract. The contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services.
Product: Credit reporting or other personal consumer reports

Principals rights were violated by XXXX XXXX XXXX in conjunction with XXXX, XXXX, Equifax per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/2023 for amount {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt on my credit report that not only does not belong to me, as I have never used those services, it is reported exactly two times on my credit report. The same debt which is not mine is reported twice. I tried to dispute this through XXXX XXXX, but have not received a response. I'm trying to qualify for a home mtg and can not until this is resolved. On XX/XX/2019 a debt for {$680.00} was reported two identical times on XXXX  and two identical times on XXXX. The collection agency is XXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX XXXX. This is not my debt.
Product: Checking or savings account

I am 100 % XXXX veteran with sole income from XXXX. My Va XXXX gets deposited into Current Bank checking ending in XXXX. On XX/XX/XXXX, I transferred {$1000.00} of my XXXX check to Navy Federal Savings account ending in XXXX. That same day Navy Federal withdrew {$790.00} to pay a charged off credit card from 10 years ago, that has since been closed and removed off my credit report. There was no warning that they were going to use those funds to pay off debt. When I informed Navy Federal that they has used my VA XXXX check I transferred to pay my rent, they informed me that they did not care that the debt was from 10 years ago and that they were not going to return the money despite me needing this VA check to pay for necessities such as housing. I have no other income. I informed them that it is illegal to collect VA XXXX to pay debt, they informed me that it came in by transfer so therefore the law didnt apply. However, it doesnt change the fact that my XXXX check was used and I informed them that I can provide proof that transfer came out of my XXXX check. This has put me in a great financial bind. The bank is not hurting financial over a {$700.00} debt from 10 years ago. However, for me it makes the difference between having a roof over my head and not. Navy federal does not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYBANK/VICTORIA Victorias Secret credit card was reported late twice on my credit report. I have never had a late payment. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit card

To the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint against Capital One for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Capital One closed five of my accounts ( ending in XXXX, XXXX, XXXX, XXXX, and XXXX ) on XX/XX/year>. The reasons given for closure were inconsistent and contradictory. Initially, Capital One claimed the accounts were closed due to " activity on this or another account not consistent with our expectations for account usage. '' However, in subsequent correspondence, Capital One attributed the closure to returned automatic payments. In their letter dated XX/XX/year>, Capital One stated that they " confirmed no errors were made in the handling of XXXX on your account. '' This contradicts their earlier claim and raises serious concerns about their practices. 

Furthermore, Capital One has continued to charge membership fees on these closed accounts, including a {$95.00} fee. This is a clear violation of consumer rights and adds to the financial harm I have suffered due to their actions. 

Capital One 's reporting of these closed accounts to credit reporting agencies has severely damaged my credit score and financial standing. I have disputed the accuracy of this information, but Capital One has refused to correct it, claiming the information is accurate. 

I believe Capital One 's actions constitute a clear violation of the FCRA, which requires creditors to report accurate information to credit reporting agencies. And for the creditor provide a clear explanation regarding the justification of their actions. On XX/XX/XXXX, XXXX, and other dates has perpetuated incorrect information, by providing differing reasons of their actions. Their contradictory explanations for closing my accounts and their continued charging of fees on closed accounts demonstrate a disregard for consumer rights and fair business practices.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX / XXXX / {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported a request for a XXXX XXXX XXXX XXXX, which i did not request. This was documented with Trans Union Consumer relations. This was noted on XXXX. There was also a credit check for a XXXX XXXX XXXX on my report. The spelling is wrong and should be removed.