23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have repeatedly tried to contact AD astra recovery service about a unknown account on my XXXX, XXXX and XXXX  credit reports. I have no idea where this account came from and not has been properly informed. It is hurting my ability to apply for credit.
Product: Credit reporting, credit repair services, 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. I informed XXXX, TransUnion and XXXX to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ) ( XXXX ). However they stated everything was complete and accurate. That is impossible if the open date, balance, date of last activity and a few more items are incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isnt reporting 100 % accurately or repotting incorrect.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604A.2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act these accounts has violated my rights XXXX # XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Product: Checking or savings account

Im asking this company to assist with an incorrect billing issue. I reached out to XXXX and XXXX XXXX both parties were on the phone ( XX/XX/XXXX ). They were supposed to contact me back ( XX/XX/XXXX ) but they didnt. I attempted to dispute this with cash app. I wasnt allowed to. XXXX bundle is either {$10.00} or {$15.00}. I was charged XX/XX/XXXX for {$12.00} ( which isnt a bundle deal offered on their platform ). I was also charged {$1.00} because I logged into a tv within my home. After this my subscription was cancelled and I was notified a month later. This was a billing error. Ive done this before and wasnt charged incorrectly or multiple times on a different television. On XX/XX/XXXX I was charged for a XXXX subscription that I technically never had. This was all done on the app itself on the tv. XXXX sets those partnerships and totally denied receiving anything from my account. I reached out and followed each policy/steps to disputing the transactions. I requested a refund in the difference of the dollar amount of the actual bundle I have with the company ( XXXX ). I also, reached out to a live agent with XXXX on XX/XX/XXXX. I gave them my information for verification purposes and I was informed that my account didnt exist by the agent. All while being logged into the account. I provided attachments of dates, conversations and amounts. The company isnt following their policy. I do not have control of what is being taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to check my XXXX XXXX after not checking for many years to make sure nothing is out of the usual and saw under XXXX report, 2 hard copies from companies that I dont even know. Nor have I requested for any credit card/loan in the past couple of years. Or was ask by anyone to have credit checked. These 2 companies are below : XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiry shows : XX/XX/XXXX And Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX, FL XXXX Inquiry shows : XX/XX/XXXX These hard inquiries are hurting my score and I would like to find out how to remove them. I never agreed for those inquiries. 

Thank you,
Product: Mortgage

I have a formal complaint against Nationstar Mortgage. My loan is under the Making Home Affordable Modification Program. On XX/XX/XXXX, I received my monthly statement ( Exhibit A ) with an important message : " Congratulations! You have earned {$9800.00} in Pay for Performance incentives. Per the Making Home Affordable Modification Program guidelines, this amount has been applied to your mortgage loan as principal payment. '' That message is attached to my monthly mortgage statement every month until XX/XX/XXXX ( Exhibit B ) after which they transferred my loan to another lender. 
I have contacted Nationstar Mortgage multiple times and spoke with an agent and they all promise me that they will apply the incentive but was never done. They promise me that they will follow-up, but no return call. I called them again, but they intentionally hang up on me after being transferred to another line. After that, I received a letter that my loan had been transferred to another servicer XXXX ( Exhibit C ) and to a new lending company XXXX XXXX-1 ( Exhibit D ). 
Attached is the Detailed Transaction History ( Exhibit E ) from Nationstar Mortgage LLC, which shows nothing was applied as principal payment for the year XX/XX/XXXX. I also attached XX/XX/XXXX Form XXXX ( Exhibit F ) which reflected the principal payment applied to my loan due to my monthly mortgage payments only. 
My biggest concern is that the amount I am entitled to with regards to what I earned as Pay for Performance incentive was not applied to my loan as principal payment. I also demand that if they transferred me to another lender that the same amount be applied as reduction to my loan principal.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act.. XXXX XXXX  account number XXXX, has violated my rights. 
15U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY RWRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$470.00} Account Name : XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX BANK # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$410.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

There was a Bank of America credit card that was currently opened in my name using my SSN and a previously lived address in California ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX, according to the Bank of Ameria Fraud Department when I spoke with them on XX/XX/2022 ) and with that, there is also a hard inquiry as well that appears on my Credit Report for all XXXX bureaus. XX/XX/2022 was when I was first notified and made aware of that a Bank of America, specifically an XXXX  XXXX credit card was approved in my name ( please see attached email ), however, the credit card and hard inquiry just recently appeared on my Credit Report. I already filed disputes with all XXXX credit bureaus and they are aware of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The catalytic converter of my XXXX XXXX XXXX was stolen on XX/XX/XXXX. I filed an approved police report on the same day and also filed a claim with my car insurance company XXXX. Since I had comprehensive coverage my insurance company paid for the repair minus my {$1000.00} deductible. I wanted to renew my car insurance policy on XX/XX/XXXX with the same company XXXX. However they let me know that my monthly rates would be {$100.00} higher because I was involved in at fault accident on XX/XX/XXXX. They told me the company that gave them this information is Lexis Nexis. They said I would have to dispute this record before I can get back my favorable monthly rate. Lexis Nexiss phone number and website doesnt give you an option to dispute your record.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report recently, I was surprised to find that the Apple Card/Goldman Sachs bank changed my account status to current. 

I was never notified that it had been delinquent within the 30-day grace period or even after. When I looked at the app, nothing showed as delinquent, and it told me that I could pay early. 

I have previously received notice of delinquency shortly after it was late ( a circumstance arose from charges placed right after I had paid the whole card off ). Additionally, Goldman Sachs/Apple Card reported both the delinquency and the newly paid status in the same month, so I can guess there was probably some confusion on their end. 

If you look into my history with this card and bank, you will see that I have never had issues with payment in the multiple years I have been a customer.
Product: Credit card

My credit account with capital one bank has been restrict because of fraud issue I spoke to many managers and nobody can resolve the problem. Had a three way conversation with my water bill so they can confirm that I 'm the right person. After verify ask me for more personal information. Sent and they told me that has been receive and have to wait 3 days after that when I call they keep saying that never receive anything. Bad service has capital one bank
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from one of the credit agencies. XXXX, Equifax or XXXX. 
Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX XXXX ). 
I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. 

XXXX : 30 days late XX/XX/2023 & XX/XX/2023 60 days late. 

XXXX : 30 days late XX/XX/2023 and XXXX  XXXX  60 days late. 
Equifax : XXXX XXXX 30 days late, XXXX XXXX days late, 30 days late XX/XX/2023 and XXXX XXXX 60 days late.
Product: Debt collection

Calling 10 to 15 times a day, sending text messages from different numbers and different names calling friends and family showing up to my house with letters that are spelled incorrectly. My name is spelled incorrectly, sending multiple different people to my house, threatening, legal action, calling, and texting my spouse. Sending messages and emails in a completely different language.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XX/XX/XXXX and XXXX   have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XX/XX/XXXXunauthorized
Product: Credit reporting or other personal consumer reports

On or around XX/XX/2024 i submitted a dispute letter to the credit bureaus asking them to verify and investigate these alleged accounts. No response was received within the Fair Credit Act guidelines!
Product: Debt collection

Portfolio Recovery, keeps calling me from spoof numbers. The company will use area codes in Indiana to make me think its someone I know. The confusion has cause me to miss important real calls. I have blocked over 30 numbers they have called me on. I plan to sue them for XXXX per call. I have been on the national do not call list and I have told them to not call this number ever again.
Product: Credit reporting or other personal consumer reports

Experian is reporting this account Please see attached I am filing this complaint regarding the inaccurate and misleading reporting of my XXXX XXXX account ( Account # XXXX ). The account is reported as charged off with a balance of {$3000.00} and a past-due amount of {$3000.00}. However, this reporting is inconsistent and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which mandates accurate and complete reporting by furnishers.

A charge-off indicates the creditor has written off the debt as uncollectible. Reporting both a charge-off and a past-due balance is contradictory and unfairly impacts my credit. Additionally, this account was last updated in XX/XX/year>, but the information remains incorrect and incomplete. 

I am requesting that the CFPB investigate this issue and require the immediate deletion of this account from my credit report to ensure compliance with federal laws. The inaccurate reporting is causing undue harm to my credit score and financial stability.

Thank you for your assistance in resolving this matter.
Product: Debt collection

Item # 1 : XXXX XXXX  This is my second dispute for the above items, and these items have yet to be verified as the law requires. I have never heard of these companies, nor have I ever had a contractual obligation with either of them. After requesting for these accounts to be validated, I have yet to receive any documentation from either of these companies such as : a signed contract showing that I entered into a contractual obligation with these two companies. According to the FTC, you are breaking the law by continuing to report unverified inaccurate items on my credit file. I am asking for each of these items to be deleted immediately. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. If this is not deleted, I will be left with no other choice but to pursue litigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting 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 : 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 XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, XXXX XXXX To whom it may concern, I XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates.

Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional Equifax is in violation of 15 USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be excluded from the consumer report. 

I, XXXX XXXX XXXX Never gave Equifax any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

Concerning the 3 collection accounts listed below as a consumer I'm demanding a deletion of these accounts. 

COLLECTION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I certify under penalty of perjury under the laws of The United States of America in the nature of [ 28 U.S.C. 1746 ( 1 ) ], that I have read the foregoing request for information and know the contents thereof, and that the information listed above is true, correct and complete. 
REQUEST EXECUTED this XXXX, day of the month XXXX, XXXX Respectfully submitted,. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Representative All Rights Reserved, Without Prejudice U.C.C. , 1-308, Without Recourse
Product: Debt collection

I entered into a consumer credit transaction with Toyota Financial Services on XX/XX/2020. This consumer credit transaction included a finance charge. Pursuant to 15 U.S.C.1605 A finance charge is the sum of all charges in a consumer credit transaction. Toyota Financial Services not only took my vehicle as down payment ( {$5000.00} ) but they advertised down payment in violation of U.S.C. 1662. Pursuant to 15 U.S.C. 6802 Toyota Financial Services never disclosed to me that I had the option to opt out of the transaction being reported. Toyota Financial Services also reported this transaction to a consumer reporting agency which is a violation of 15 U.S.C. 1681. The transaction arose from a credit card which is supposed to be excluded from consumer report. Along with the repeated phone calls and erroneous billing errors from Lexus as well is a violation of 15 U.S.C. 1692c ( a ) a debt collector may not communicate with a consumer in connection with the collection of any debt. I have sent multiple certified letters to the consumer reporting agencies and to Toyota Financial Services most of them not returning the green signature card.