23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 
Names Reported : XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 USC 1681a ( 2 ) ( 1 )
Product: Debt collection

IC SYSTEMS IS STATING ON MY XXXX CREDIT REPORT THAT I OWE XXXX ON ACCOUNT THATS NOT MINE.PLEASE HAVE IC SYSTEMS PROVIDE VALIDATION OF THIS DBT THAT I OWE OR REMOVE IT FROM MY CREDIT REPORT
Product: Debt collection

Long story short I had previously placed a complaint on this company for contacting me repeatedly ... they replied and disagreed with my statement. In that time duration XX/XX/XXXX they closed all my accounts with them and credit karma reported this to me via email ... I originally thought because they found my dispute to have validity ... no, they was removed and closed and 24hrs later they were all replaced BACK ON my credit file. 
I happend to take a screenshot of ALL the removed accounts that day that were close ... I was not notified of these accounts being placed back on my credit file. I have proof I can send of this occurrence Portfolio recovery
Product: Credit reporting or other personal consumer reports

someone stole my personal information and have been opening accounts under my name without my permission I made a FTC report and contacted the credit bureaus they didn't remove the account off my credit report after the investigation after i been a victim of identity theft. 

XXXX Report XXXX  XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX  XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX XX/XX/XXXX {$800.00} Experian Report XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$22.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX  XXXX XXXX XX/XX/XXXX {$580.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

Experian sent an email on XX/XX/year> stating they will not investigate my disputes claiming I did not mail them. I have mailed in several forms of proof of my identification and ask you enforce experian to process these disputes in a timely manner. These letters were sent by XXXX XXXX XXXX XXXX 

I am writing in response to Experian stall letter /email ( see attachement ) that states these documents/disputes were not sent by XXXX XXXX These dispute letters are in fact being sent by XXXX XXXX XXXX I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. 
I am requesting you proceed to investigate these accounts immediately as required by law. 

Please accept this letter as my formal written request for the following items on my credit report to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers one by one and guess what? They have agreed to not report the account so why dont you delete them now? I have forwarded my FTC report and now Im attaching the required FTC Report AGAIN 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 XXXX XXXX XXXX, 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. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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

It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my credit/life. This is an immediate secondary request for removal and blockage of incorrect information. 

There seems to be a high-level of incompetence at this company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit and my account has zero inquiries. Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once!
Product: Mortgage

I was 1 month behind for several months in a row, I continued to pay my mortgage to try to get caught up, I started to receive notices about being past due right away, which I understand as I was late. Letters got more aggressive in nature so I called them, the agent set me up on a pay arrangement, the arrangement was taking the 1 month past due and spreading it out over the next 4 months. I thought now that I called them that they would stop sending letters and making phone calls, but it did n't stop. I made my agreed upon payments and each month would receive a late fee and several letters weekly advising to call to avoid foreclosure. I answered the phone a couple weeks ago and they advised me that their automatic dialer should not have called me because I was on an arrangement. They sent someone to my house to hang a notice a couple weeks ago because I still had my final {$300.00} due in  XXXX , I called them and they advised me that yes I do have an arrangement but because of the way they do their accounting it looks like I still owe from 2 months ago but not to worry about it. Now today I received a certified mail letter asking me to call to setup a face to face meeting to discuss options to bring my account current, I called and asked if I had an arrangement, they advised me I do but I will still get calls and letters because I am still past due even though my arrangement is n't due for another 10 days. Also when I call or look online in it says my balance due is over {$2000.00} but when I talked to the representative I only owe {$1300.00} because of unapplied funds. Because of this I am not able to make my payments online for free because I can not pay a lower amount than the total they say is due, so I pay over the phone for {$19.00} for each payment, or I can pay by mail but then I would be late because you can not guaranty when the payment would be received. I get 2 statements, several emails, and phone calls monthly, and several letters weekly, not to mention my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually kill me.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to dispute a late payment reported on my credit report for the account identified as SUNRISE LA. The Fair Credit Reporting Act ( FCRA ) regulates the information that can be included on consumer credit reports. According to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), consumer reports can not include information about " transactions and experiences '' between a consumer and the entity providing the information ( you, the creditor )
Product: Credit reporting or other personal consumer reports

I have called and wrote letters to Experian to remove fraudulent information on my consumer file. 

XXXX XXXX XXXX XXXX XXXX PA XXXX I have asked and demanded proof that I have lived there. They have not furnished that data nor have responded to my disputes, both over the phone and in writing. 

This company is in direct violation on the FCRA as follows, but not limited to : 15 USC 6802 15 USC 1681
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that clearly violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX XXXX XXXXXXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXXXXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXXXXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXXXXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX {$630.00} ( disputed no action ) Applied Business Service XX/XX/XXXX {$710.00} ( disputed no action } Online information service XX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I finally settled a debt with a bank I loaned from back in XX/XX/XXXX. The loan was for {$5000.00} and I paid {$4000.00}. The bank immediately sent me a confirmation of payment, and court documents stating the debt was satisfied. The bank assured me that they updated their reports with the credit bureaus, however, there are no new updates. I disputed on all three bureaus to get them to investigate to put pressure on the process in case the bank did not do their responsibility. I waited the appropriate amount of days and received negative results from all of the bureau stating that " all info regarding the bank is reported correctly '' but it is n't! My report does n't show I paid them anything and it is reporting the same since I defaulted. I do n't know who to turn to because the bank is shifting blame on the bureaus and the bureaus are saying it 's correct and the merchant is saying all info is correct. I know for sure some kind of law is being broken under the Fair Credit Reporting Act. They are reporting inaccurate information and it 's affecting my score which I am repairing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company 's response to CFPB case # XXXX is misleading and inaccurate as the dispute filed with Equifax ( XXXX # XXXX ) on XX/XX/XXXX was concluded on XX/XX/XXXX and despite all of the payments being reported as " ON TIME, '' they are STILL reporting the account was XXXX days past due, which is inaccurate given all of the other information. This inaccurate information is NOT still under dispute as the company 's reply indicates in their response to the CFPB case mentioned above. Attached is proof of that dispute from Equifax. The information was updated to include the DATE CLOSED as XX/XX/XXXX, but the DATE OF 1ST DELINQUENCY shows as XX/XX/XXXX. It is not possible to have an account become delinquent AFTER it is closed. They are also reporting that the XX/XX/XXXX ACTUAL PAYMENT AMOUNT was {$640.00} while also reporting that the DATE OF LAST PAYMENT was XX/XX/XXXX for {$41000.00}. Everything about this account is contradictory as it is being reported. It is clear that the information is incorrect, and it is adversely affecting not only my actual credit score, but my ability to close on the refinance of my home.
Product: Credit reporting or other personal consumer reports

1099 REQUESTED WITH NO RESPONSE. BILL CAN NOT BE PAID. MEDICALLY UNABLE.

ACCOUNT NUMBERS DONT EVEN MATCH AND INFO IS INCORRECT.

\ 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint about fraudulent use of my identity by XXXX XXXX. I have recently discovered that my credit was checked and I have a hard inquiry by these companies without my permission, and I have no knowledge of who they are or what they do. 

I strongly believe that this action constitutes identity theft and a violation of my rights as a consumer. I never gave any consent or authorization for XXXX XXXX  to access my credit information, and I have never had any business dealings with them. 

I request that any negative information associated with these unauthorized inquiries be removed from my credit report immediately. I also request that an investigation be conducted into the matter to determine how my personal information was obtained and used without my knowledge. I want them deleted now. 

I appreciate your prompt attention to this matter and look forward to hearing back from you soon.
Product: Student loan

I having issue with AES. My account shows that my account is in paid head status. However, I not seeing how the extra payment have been applied. Since my loan is consolidated, the system shows that two separate loans based by the type. My understanding that I could not use my extra payments to be applied to one loan. even through the system show XXXX XXXX XXXX XXXX XXXX. I was told that my loan was consolidated it should be fix XXXX XXXX One of my loans show that owe interest but I just made payments XXXX. I contacted AES and asked for my original loan documents.
Product: Credit card

I filed a complaint with you over a month ago concerning the excessive charges on my citi card # XXXX and received a satisfying answer from XXXX XXXX of the Executive Response Unit saying all interest, late charges and membership fees were credited back to my acct. A balance of {$21.00} remained. I called her over 6x, leaving mess- ages, asking her what the balance was for as I had paid in full all my charges on XXXX XXXX of {$23.00}. She never returned my calls. On Sunday XXXX XXXX I called Citi 4x the last call lasting 40 minutes. The balance was reduced to {$10.00} but they could not tell me what it was for. The last call the balance was reduced to {$4.00}, again they could not tell me why I am being being charged. It 's amazing that an agent ( XXXX ) and a supv could spend so much time on the phone for such a little amount but they refused to remove the charge, even though they can not tell me what it is for. Obviously I will never do business with Citi again. Please help again!!! This is so aggravating and frustrating.
Product: Vehicle loan or lease

My bank account was compromised in XXXX and all my money was stolen. Because opted not to prosecute the bank did not give my money back, which caused all my bill to be late and a financial hardship. I have two accounts with Reliable Credit and I tried to combine them so I could make one payment instead of two. I was told by the XXXX XXXX office where I have one account I could, but the XXXX office where I have my second account said I could not. While I waited for a response my account when further past due. By XXXX I was told to pay the full balance or go into collection for loan number 1 at the XXXX XXXX branch. I said I did not have the over XXXX amount and she immediately wrote off my account in XXXX during a pandemic. I was told today by XXXX the Vice President of Reliable that they ask for the past due and not the full balance. I informed him that the manger at the XXXX XXXX store demanded the full balance or I would have tried to work something out. I tried to fix this back in XXXX, XXXX and now again in XXXX. I just want them to do the right thing. I have had a past loans with them and always paid on time. I also have an existing loan with them and pay it on time too. I feel I should not have had this done to me during a Pandemic.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX XXXX XXXX To Whom It May Concern, Subject : Formal Complaint Regarding Harassment, Continuous Calls, and Unauthorized Disclosure of Personal Information I am writing to file a formal complaint regarding the harassment I have been experiencing from multiple debt collectors, including but not limited to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX, among others. These collectors have been incessantly calling me at all hours of the day and night, literally every day, causing significant emotional distress and disruption to my personal and professional life. 

In addition to the persistent phone calls, I am also concerned that my personal information has been shared with third parties without my consent. This breach of privacy is unacceptable, and I believe it is a violation of both my rights and various consumer protection laws. 

Specifically, I have been subjected to the following : Unrelenting phone calls : I am receiving calls at all hours, including very late at night ( after XXXX XXXX  ) and early in the morning ( before XXXX XXXX ), often several times per day from different collectors. 
Call frequency : I receive calls every day from multiple companies, making it impossible to manage or address the individual claims without constant interruptions. 
Unauthorized disclosure of my personal information : I have reason to believe that my personal details, including my phone number and other financial information, have been shared with third-party entities without my authorization. 
These actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from engaging in harassment, contacting consumers at unreasonable times, and disclosing private information without consent. Furthermore, I am also concerned that the sharing of my information with third parties may constitute a violation of privacy laws and data protection regulations. 

As such, I am requesting the following immediate actions : Immediate cessation of all phone calls to my phone number ( XXXX ) XXXX. This includes calls from XXXX XXXX, XXXX XXXX, XXXX Funding, XXXX XXXX, XXXX XXXXXXXX XXXX  and any other parties involved in this matter. 
Written confirmation that my request has been acknowledged and that future communications will be strictly through postal mail, in accordance with the law. 
A full explanation of how my personal information was shared with third parties, including the names of the entities involved. 
A thorough investigation into the handling of my personal data to ensure that no further unauthorized disclosures occur. 
If these actions are not taken immediately, I will have no choice but to file another formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, and consider pursuing legal action for harassment and unauthorized disclosure of my private information. 

I expect a prompt and serious response to this matter within [ XXXX ] days. Please treat this issue with the urgency it deserves. 

Sincerely, XXXX XXXX