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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$420.00} # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$420.00} # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$25.00} # XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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, credit repair services, or other personal consumer reports

Good afternoon, I feel my information has been compromised either online or by the XXXX  data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX  and {$600.00} to XXXX XXXX  which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.
Product: Consumer Loan

We got a car loan through First Investors Servicing Corporation on XXXX/XXXX/XXXX. My husband lost his job XX/XX/XXXX. We paid up until we asked for 2 differed payments, which we were granted, but after that we were unable to catch up and pay on time. In XXXX XXXX, we gave the car back to them because they would not work with us. We were hoping to refinance through them, but we were told that is something they do not do. When we got the later stating what we owed left on the loan, we were taken back on the amount. It was extremely high! Even with late fees, we were floored to see the balance. We began investigating our account and found out that when we paid, AND current, different amounts went to the principle amount towards the loan. Every month up until XX/XX/XXXX, had a different amount. One time, only {$5.00} went to the principal. Seriously ... {$5.00}. We contacted a lawyer and found out that in XX/XX/XXXX, First Investors had already been fined XXXX dollars for doing the same to others AND false reporting to all XXXX credit bureaus. The lesson has not been learned. Now they have added on more fees and costs and now we owe more on the car then we even took the loan out for! They are bad, bad people and have no right in giving anyone a loan. Please stay away from this company and if by chance you are stuck with them right now, I seriously advise you to take a good look into your account and even check the credit bureaus. We are now loacting an attorney to help with deceptive trade practices, because this is what they are doing. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting late. It was never late
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION & XXXX I received a copy of my credit report and I have found the following items listed with XXXX to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
I demand under FCRA : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your help in this matter,
Product: Debt collection

In XX/XX/XXXX, I found a collection account on my XXXX XXXX credit bureau for a medical / XXXX bill from XX/XX/XXXX in the approximate amount of {$250.00}, which was paid by my insurance company XXXX XXXX XXXX XXXX XXXX XXXX. I called my insurance company and they verified that a check was sent to the dentist XXXX XXXX XXXX within 7-10 business days from the date of processing the claim on XX/XX/XXXX. 
A copy of the Claims Details is attached herein. 

On XX/XX/XXXX, I sent to Allied Collection Services, Inc. a Validation of Debt request, a copy is attached herein. I received a response from Allied, which only attached a " Patient Details '' printout indicating that there was a Patient Balance of {$250.00}. A copy of Allied 's response is attached herein.
Product: Payday loan, title loan, or personal loan

ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
FINANCE CHARGE The dollar amount the credit will cost you. 
Amount Financed The amount of credit provided to you or on your behalf. 
Total of Payments The amount you will have paid after you have made all payments as scheduled. 
769.62 % {$4700.00} {$700.00} {$5400.00} Your Payment Schedule will be : Number of Payments Payment Due Payment Date {$160.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX Called in to try to pay the loan early and they didn't let me. They mentioned that I'd have to pay the whole interest.
Product: Debt collection

XXXX XXXX XXXX acct # XXXX2 15 U.S.C 1692 ( a ) 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 if any debt. 15 u.s.c 1692b Any debt collector communicating with any person other than the consumer for purpose of acquiring location information about the consumer shall identify himself, state that he is confirming it correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 15 u.s.c 1692b ( 2 ) not sate that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection buisness or that the communication relates to the collection of a debt ;
Product: Credit reporting or other personal consumer reports

I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per XXXX XXXX XXXX, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts I have marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  CT XXXX, NJ XXXX ; XXXX XXXX  AV XXXX XXXX, NJ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$8000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Student loan

Navient consistently call me for volunteer deferment payments but also back date payments so it appears that I am delinquent. Then they start the arresting phone calls and misinformation games.
Product: Debt collection

I.C System Inc, account # this company is trying to collect money from me and also leave a mark on my credit report for {$100.00} that i do not owe them i ask them to remove it and no one responded over a year to this date.
Product: Checking or savings account

I am a current JP Morgan Chase with multiple accounts, and have been for over 30 years. Recently, my father opened new accounts and his local Chase branch. He requested that I also be given access to the accounts. He was told this would require me to physically visit my own branch to finalize the access. 

On XX/XX/2023 I visited my local branch and attempted to have the account access set up. In the course of the process, the bank employee began to ask me non-relevant questions to my service visit. This include information that I consider private and do not share with third parties unless it is related to the service. The demanded information included employment status, employer name and details, salary range, and numerous other items. These had no relationship to the requested service of accessing an existing account and was merely an attempt to gather data clearly for future sales and marketing purposes. 

When I informed the bank employee I wasn't willing to share information that isn't legally required, I was told that he could not proceed and therefore would not give me access to the account. 

It appears that JP Morgan Chase has adopted a policy that forces employees to gather, and its existing customers to share, confidential information it has earned no right to. They use the current customer status as a mechanism to force the customer to share that data without any recourse, despite the information neither being legally required nor necessary to provide the service.
Product: Checking or savings account

My wife had purchased a gaming system before XXXX from a website which quicky turned out to be fraudulent. We contacted our bank ( PNC ) immediately and once the charge processed we went through with the dispute. After several months the bank has denied our claim and randomly took out the money that was given back to us. They pulled the funds out on a Saturday night so we couldn't reach out and complain or contact them about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for NAVYU FCU. 
I have a hard inquiry dated for XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, on XX/XX/2019 Equifax received a letter sent by me by cerified mail returned receipt via the USPS requesting that they show me the visable proof they have on their files of the contracts or agreements i have signed with the items they have on my credit file. They answered back with a letter saying that i disputed some items which i did not, it was not a dispute, it was to see what proof they have on their files that those items on my file are mines. They said that they verified the items as accurate, they also said to canotact the furnisher of information about those items which i did and NONE of them have responded in more than 30 days violating the FDCPA. I sent a seconf letter to Equifax on XX/XX/2019 telling them again that i did not dispute those items and that i did already conatct the furnishers and none have answered me. So if the furnishers provided evidence that those accounts are mine to Equifax i want to see them, i want to see what evidence they have that those items belong to me since none of the furnisher have responded to my request, I asked them to tell me what person verified those items and using what method were those items " verified ''. those 3 items in my credit file were NOT open by me i do not know where they came from, im in the process of applying for a mortgage and just found out i had those 3 negative items on my file.This is hurting my ability to obtain a mortgage for a home formy family and to obtain credit and loans. i would like those 3 items removed. Attached are both letters i have sent them. Please help me
Product: Debt collection

ENHANCED RECOVERY has listed on my credit report, the following information : Sprint with the Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX. 

I have disputed this several times and have had it removed and they continually keep putting it back on my report with a new dates. I have an open an active account with XXXX Acct # XXXX who now owns XXXX and this is the only account that I have or have ever had. I never opened an account with XXXX and any that states otherwise is completely fraudulent. I need Enhanced Recovery to cease from adding this to my account after disputing this and having it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic/Credco is a third party reporting agency that I never heard of until I was denied credit. My prospective Mortgage lender called me and advised my loan was denied due to information received from Credco including a  XXXX   XXXX   XXXX   XXXX  that was deleted from my credit reports more than 90 days prior ( see attached ).     Between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017  Credco has  XXXX  inquiries on my credit report, and each report provided to their paid clients includes erroneous data that resulted in the denial of my mortgage loan. The inquiries will stay on my credit report for 2 year and deter creditors from providing me credit. Once the data is updated in Credco   and I have to reapply, I will be hit with a new inquiry. Credco has adversely affected my credit score, and delayed my housing search by providing inaccurate data. Their clients pay for their data and it should be held accountable for it.
I was not informed until my credit had already been pulled 6 times about the existence of Credco and it 's role in my credit denial.
Product: Credit reporting

XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 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 XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Citi Bank XXXX everywhere and also XXXX XXXX  they have constantly harassed me I have to call month after month and I am getting sick from it I have an XXXX  XXXX that I need to avoid stress as much as possible and they keep stressing me out because nothing gets resolved, I pay my bills on time so I dont have to get stressed out about bills.
Product: Debt collection

We keep getting automated calls from a " debt collection '' company called FOCUS RECEIVABLES MANAGEMENT. They tell us to call a number, which is XXXX, but we do n't bother because we do not owe any debt. We do not want to receive calls from this company. If they are collecting debt, they are not very good at it. If they are not, they are scammers and need to be dealt with.
Product: Mortgage

In XX/XX/XXXX I applied for a home equity loan from the now defunct XXXX XXXX XXXX. XXXX XXXX XXXX was sued by the Department of Justice and the Consumer Financial Protection Bureau in XX/XX/XXXX for charging XXXX and XXXX borrowers higher prices for their home mortgage loans than non-Hispanic White borrowers. XXXX acquired XXXX XXXX and agreed to pay {$35.00} XXXX to settle charges that the former XXXX XXXX Bank discriminated against XXXX and XXXX borrowers by charging them more on home mortgages because of their race and national origin. According to the U.S. Department of Justice and the Consumer Financial Protection Bureau, XXXX XXXX, which XXXX bought on XXXX XXXX, XXXX, violated the federal Fair Housing Act and Equal Credit Opportunity Act in imposing higher fees or interest rates on more than XXXX minority borrowers. 
According to the court documents, the violations involved loans made through more than XXXX XXXX XXXX retail offices from XX/XX/XXXX to XX/XX/XXXX, and by mortgage brokers from XX/XX/XXXX to XXXX. XXXX said XXXX XXXX financially rewarded loan officers for imposing extra charges, known as " overages '' that were not related to borrowers ' creditworthiness, and did not properly monitor how they were imposed. This resulted in statistically significant discriminatory pricing disparities based on race and national origin, and caused more than XXXX XXXX borrowers and more than XXXX XXXX borrowers to overpay. 
RBS Citizen bought the loan without knowing its history and is now suing me to collect on a loan that was null and void. Because XXXX XXXX committed fraud in originating the loan, that action made the contract void. 
In XX/XX/XXXX XXXX contacted me about the loan and assured me that they would conduct a full investigation because of XXXX XXXX XXXX mounting troubled mortgages and would cancel the debt. The investigation was never done and instead the loan was sold to RBS Citizens. RBS Citizen filed a lawsuit in XX/XX/XXXX and we are currently in court proceedings. RBS Citizen is trying to collect on a loan that XXXX should have cancelled.
Product: Credit reporting or other personal consumer reports

I should not have any information from XXXX XXXX, CA or XXXX XXXX XXXX, CA or anywhere in Washington. I have never had addresses in those counties in CA nor any in Washington. I have had identity theft issues for years and these are locations Ive reported are identity theft.