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

On XX/XX/21 I filed a complaint through the XXXX  dispute center against XXXX regarding a settled account. On XX/XX/21, XXXX verified with XXXX  that the information reported is accurate stating the account balance is currently {$3800.00}. This is not correct as payment had been submitted to XXXX XXXX XXXX, working on behalf of XXXX XXXX  on XX/XX/21 to settle the account in full. Additionally, XXXX updated with XXXX  on XX/XX/21 that the account has been paid in settlement. 

XXXX refuses to report accurate information to the 3 credit bureaus and although documentation had been provided to XXXX  showing the account had been settled, XXXX  validated the inaccurate information reported and verified by XXXX XXXX. 

I have provided documentation of the conflicting dispute updates and the letter submitted by XXXX XXXX  acknowledging receipt of payment and settlement of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, Was victimized by Evergreen home loans, XXXX WA on XX/XX/2022 and XX/XX/2022. 

This company without my consent hired a third party to ran two separate hard inquires on my credit. 
Causing credit damages, possible loan restrictions and risk of personal information being sold /lost to the enemies of the state by unauthorized credit handling. 

Tried numerous times to with Evergreens home loans, their response was that my credit was so low that it wouldn't matter if they had it ran twice. 
I agree, Have a little work to do. 
My personal credit is not for them not to exploit in any manner, verbally or physically.
Product: Payday loan, title loan, or personal loan

On XXXX, I attempted to sign up for the company 's pay in XXXX payments service, supplied them with my legal name, date of birth, email address and phone number. I then confirmed that the address they were able to find for me was correct. I also used the XXXX XXXX to allow them to verify that information with my bank. After going through all of that, I saw that the methods the company used to collect payments were going to be more troublesome than I was willing to deal with, so I discontinued the process of signing up for their services without collecting any funds from them and without providing any further information. 

I then logged into my account using the account details ( email+password ) that I had used to set up the account. I attempted to close my account with them, but was unable to find an option anywhere. I went to the help page to try to find an account closure option but, after completing the wizard, was directed to call the support line for the company ( XXXX ). I called the company and attempted to have the account closed but the support staff stated that I would need to supply the last 4 digits of my social security to verify my identity. Since I had not, at any point, provided them with this information, I categorically refused. We went back and forth a bit while the agent stated that the only option provided in their system was to confirm my identity with the last 4 digits of my social security number, I asked to speak with their supervisor. I then went through the same process with their supervisor, informed them that I knew exactly what data I had provided them, and that XXXX had not provided them with my social, and that I was absolutely not going to provide even a single digit of my social security number to them and that all I want was my data removed from their servers. 

They stated that they could not. I asked to speak with their supervisor, they said that their supervisor does not take calls. I said that I understood and that they would need to escalate this support ticket to their supervisor. They said that they could not do that as that option was not available to them. I told them that they had a boss that they report to and that whoever that may be needs to be informed of this because this is absolutely unacceptable. They stated that they could not do so. I then told them that I would be taking additional measures using other means within the legal system to have my data deleted from their systems. I then informed the manager that I was not personally angry with her nor her subordinate, and that I understood they were just doing their job.
Product: Checking or savings account

I have asked numerous times TCF bank to talk to a manager. I was treated rudely by the girl at the front desk. Stating she was the only one to talk to. I tried calmly to explain my situation. As I had an alert put on my account so that I wouldn't go over. But for some reason TCF bank didn't put it on or removed it. Now they have charged me over {$2500.00}. in overdraft fees and taking all my money that I am trying to feed and house my children. I am going to be homeless with my family. All because of TCF banks horrible practices. They are literally stealing my hard worked money. This is wrong. I contacted Attorney General and they submitted a complaint to your office. I really need HELP ASAP befroe my family and I are homeless due to the practices of unrealistic overdraft fees. And also not contacting me when this first began. I tried to speak with someone to no avail. The girl at the TCF branch at XXXX XXXX XXXX in XXXX XXXX Ill. basically said oh well not our problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and The XXXX XXXX are violating my privacy rights as a consumer. Equifax continues to report a late payment in XX/XX/XXXX. This is the release of my nonpublic financial information. Furthermore as a federally protected consumer I am now opting out of my nonpublic information being shared.15 U.S. Code 1637 says consumer credit cards are opened ended therefore it is impossible for me the consumer to be late upon this consumer credit account. 

Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.
Product: Credit reporting or other personal consumer reports

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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I viewed my credit report and started making positive strides towards paying off delinquent charges and debt. In XXXX of XXXX I called the number listed on my credit report which was XXXX XXXX XXXX XXXX. The representative that I initially spoke to informed me that the Paypal debt of {$710.00} was forgiven and that I could not pay it off even if I wanted to because they were no longer collecting. In addition to this, a 1099-C would be sent to my current address and I'd have to take care of once I filed taxes. I waited until XXXX of XXXX to receive the 1099-X and never received it. I called back multiple times afterwards. One representative XXXX XXXX XXXX ensured me in XXXX that the form was mailed out and that I would receive it the following week. I never received it. The representative that I talked to on XX/XX/XXXX was the most helpful and sounded the most concerned about my issue however, I am now entering a critical time where I now NEED the form. The Paypal representative today XXXX XX/XX/XXXX ) that paypal stopped reporting it to the credit companies on XX/XX/XXXX. This is not true. This debt is being reported as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

These listed consumer agencies are including information this is illegal and confidential according to law 15 US code 1666b. Reporting personal experiences between the person and consumer. Late payments I've never been late. But the information should not be included in a consumer report.
Product: Debt collection

I am writing to dispute the accuracy of the information appearing on my credit report. Recently, upon reviewing my report, I noticed that a bankruptcy and collections has been included in my history. this information is incorrect and has caused significant impact on my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXSeveral hard inquires on my credit report not authorized by me nor did I every request XXXX XXXX XXXX XXXXXX/XX/XXXX I have several requests for these to be removed and they are still listed on all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states that 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 the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a XXXX Form 1099-INT from The XXXX XXXX  XXXX informing me of interest income. On XX/XX/XXXX, I contacted the bank and spoke to a representative call XXXX. XXXX informed me that the account number listed on the form is associated with Chime XXXX Debit Card, and provided me with their number ( XXXX ). I contacted Chime and spoke to a representative named XXXX. XXXX was unable to verify my information for account access because the Subject is using a different email address and phone number, but used all of my information, including my social security number to open the account. I asked to be transferred to their fraud department, but was told they didnt have one. I asked to speak with his supervisor, but was placed on hold and no one ever picked up. I tried calling back and a recording informed me to contact the company at XXXX. I emailed the company and is currently waiting on a response. I requested the account be closed, the matter investigated and reported to the appropriate authorities. 

Thank you for your time and consideration. 

XXXX XXXX
Product: Debt collection

THIS IS ABOUT JACOB LAW GROUP, PLLC IN XXXX, MISSISSIPPI. 
THIS FIRM HAD A LEIN PUT ON MY HOME OVER A COLLECTION THAT WAS PAID OFF IN XXXX , THE LEIN WAS PUT ON MY HOME IN XXXX. THIS WAS A XXXX XXXX XXXX XXXX THAT HAS BEEN PAID OFF , NOW THIS LAW FIRM IS TRYING TO COLLECT DOUBLE ON THIS ACCOUNT . I HAVE BEEN CONTACTING THEM  REGULAR ABOUT THIS . THE CIRCUIT CLERK OF COPIAH HAS CONTACTED THEM ALSO BUT THEY STILL RELEASE THE LEIN WITH ALL THE PROOF THAT I I GIVEN THE THAT THIS BILL HAS BEEN CLOSED AND PAID OFF. 
JACOB LAW GROUP PLLC
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISSISSIPPI XXXX
Product: Credit reporting or other personal consumer reports

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX   XXXX   I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be  XXXX . Within the first week of having the car, I had to take it back to dealership  five ti me to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX ,  I got stationed in  XXXX ,  XXXX , I have my mother Power of  Attroney fo r my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would conta ct my commanding officer of my command if i  did. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receiv e one in  the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. OFFICE OF THE ATTY XXXX XXXX Balance : {$5700.00} ; ATTYGENERL XXXX Balance : {$5600.00} ; OAG CHILD SU XXXX XXXX : {$5700.00}.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my credit report. As a survivor of human trafficking, certain accounts and debts were incurred without my knowledge or consent. These fraudulent accounts and derogatory items continue to harm my credit profile and do not reflect my true financial behavior. 

Key negative items include : XXXX. **Accounts in Dispute : ** - XXXX XXXX XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) - XXXX XXXX  Open inquiry ( XX/XX/year>, XXXX ) - XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Open inquiry ( XX/XX/year>, XXXX ) - XXXX XXXX XXXX Collection/Chargeoff ( {$840.00}, XXXX ) - **Acima Digital FKA SIMP** Collection/Chargeoff ( {$1400.00}, XXXX ) - XXXX XXXX Collection/Chargeoff ( Late 180 Days, XXXX ) XXXX. **Personal Information Discrepancies : ** - Incorrect names and addresses across all credit bureaus, including : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL 3. **Fraud Alert : ** - A fraud victim alert is active on my XXXX file, confirming fraudulent applications may be submitted in my name without my consent. I have been a victim of identity theft as part of the XXXX XXXX  ordeal. 

XXXX. **Negative Credit History : ** - Several derogatory marks are listed under collection agencies, including XXXX XXXX XXXX and Acima Digital , which were incurred under duress.
Product: Credit card or prepaid card

US Bank cancelled the Extended Warranty and Collision Damage Waivers in XX/XX/2020, but never notified us. The only reason I found out about the cancellation, it that I called about another item, and happened to ask if they were still in effect.
Product: Vehicle loan or lease

This company is breaking the law by falling to provide proper validation details as required under 15 USC 1692g. Despite this, they've added a collection to my credit report
Product: Credit reporting or other personal consumer reports

TransUnion has reported a closed account with XXXX XXXX XXXX that appears negative on my credit report. However, this account and its balance do not belong to me. I have already submitted all the necessary paperwork and documents to prove identity theft and fraud and requested for its removal from my records and reports. Unfortunately, the account still appears on my records.
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. 


Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or 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 XXXX5 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: Credit reporting or other personal consumer reports

On my credit report there are accounts listed that have passed the XXXX year period this Account has already been removed from XXXX and XXXX and I need them removed immediately 15 USC 1681c ( a ) ( 4 ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years.

15 USC 1681c ( c ) Running of reporting period ( 1 ) In general The XXXX period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 


I am a natural person, I am a Living human being, I have rights under 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts Account : XXXX XXXX XXXX Account # XXXX
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 U.S.C 1681. 
XXXX : Account Number XXXX, XXXX : Account Number XXXX, XXXX  XXXX  : Account Number XXXX, XXXX XXXX XXXX  : Account Number XXXX, XXXX  XXXX BANK : Account Number XXXX, XXXX XXXX : Account Number 1968, XXXX  XXXX  : Account Number XXXX, XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, has violated my rights. 15 U.S.C 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. ADDRESSES not mine. 
XXXX XXXX XXXX  XXXX, XXXX, La XXXX, XXXX XXXX XXXX, XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX 
15 U.S.C. 1682 Section-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. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
15 U.S.C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1666 ( b ) : A creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15  U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting

XXXX XXXX XXXX, pa XXXX XXXX Account # XXXX no contract no signature