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  Account # XXXX XXXXXXXX XXXX XXXX and Account # XXXX XXXXXXXX XXXX XXXX and Account # XXXX XXXXXXXX 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 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: Checking or savings account

XXXX @ XXXX Im XXXX XXXX XXXX and have XXXX XXXXXXXX. One including XXXX XXXXXXXX. Theres some people inside my apartment complex know all my financial and health history and consider me an adversary. It started in XXXX, IL. When I got married, got confused on how to used my name. I used XXXX XXXX XXXX while living in XXXX, IL. The M represent my maiden name, XXXX and my middle initial is XXXX. I have been active with Chase since XXXX and never had a problem until I moved to Michigan XX/XX/XXXX when Michigan XXXX changed my name as XXXX XXXX XXXX. Since the changed, I started having all kind of fraudulent activity done against me. For some unknown reason, either Chases system keep changing my name or a staff member is changing my name.I had it fixed several time including XX/XX/XXXX as preferred name XXXX XXXX XXXX and keep whats on my driver license.on file. I signed a bank signature card at least 3 or 4 time. How do I get somebody, of Authority to keep my name from changing in Chases system.
Product: Credit reporting, credit repair services, or other personal consumer reports

By at least XX/XX/2023 I had become aware that I could log on to my TransUnion user account, but could not view my credit report nor file a dispute. In addition to being unable to view my credit report directly from TransUnion, an error also occurs when requesting my TransUnion credit report through annualcreditreport.com. I began to contact TransUnion support by phone to try to resolve this issue beginning XX/XX/2023. I called again XX/XX/2023 as well as communicated with them via live chat online. As a result of the failed efforts to troubleshoot the problem during the chat, I was told my issue was being escalated to their specialist team and that they would reach out to me either by email or phone in 3 to 5 business days. To this day, no specialist team from TransUnion has attempted to reach out to me. On XX/XX/2023, I called again and used their text message support called TransUnion messaging. The messaging conversation was not helpful and was ended prematurely by the support side when I was unable to provide my response fast enough.
Product: Credit reporting or other personal consumer reports

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts that have been canceled on behalf of the creditor are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility of reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Debt collection

The dept. collector by fraud and scam got access to my personal record such my social security and date of birth, I discovered that tonight when I was review my annual credit report. I have never called or spoke with that collector or any of their agents anywhere previously, I do not even know their phone number before until I found their information on my credit report showed medical billing collection. I have XXXX government insurance and before that state health insurance, I never ever have any issue with medical. THE MOST IMPORTANT MATTER IS I NEVER RELEASE MY SOCIAL SECURITY TO ANY DOCTOR OR HOSPITAL OR ANY MEDICAL PLACE, I JUST PROVIDE MY DATE OF BIRTH ONLY! THEN HOW THAT COLLECTEOR GOT TO MY SOCIAL SECURITY?. the insurance company are not allowed by law to provide patients or consumer personal or medical information to collectors unless if the have dairy business together. I am seeking your protection to my identity and force that collector to explain how their fraud case has been built without me releasing my personal information to that collector or his doctor or so ever involved in that fraud case. 
please do what you can to help me got this issue investigated HOW THEY RECEIVE MY PERSONAL INFORMATION IF I DID NOT GIVE IT TO THEM. 
the following is what It was on my credit report : XXXX XXXX XXXX # XXXX ( XXXX ) XXXX Individual XXXX {$880.00} {$880.00} {$880.00} $ XXXX monthly XXXX Collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX  Dispute indicated for Applicant XXXX XXXX XXXX  Thank you
Product: Mortgage

I would like to take this opportunity to address ongoing incidents that have left me scarred and disappointed with Trustmark and its management ; to include the manner they handle minority populations both ethnic and gender. One incident in particular that made me personally uncomfortable on my last visit to Trustmark 's office location on XXXX. 

During this process, I have not only been made to feel physically threatened, but I have been made to feel like I am a liar and a crook. Ive been told that my due to me amending my taxes per XXXX XXXX statement, the underwriter will think I am engaging in fraudulent activity. I am not a crook nor do I conduct myself in such a manner that one may infer that I am. I did have to amend my taxes, but that is not fraudulent nor illegal. This is an exercise recognized by US tax code. My CPA was not up for the task of filing complicated returns and I am not a tax professional, so corrections needed to be made. However the real question is why did my taxes meet the standards for the IRS but not the standards for Trustmark!? Mind you, Trustmark is a financial institution not an organization responsible for determining tax code ( tax return ) standards. 

The only conclusion I can make is race, gender bias and unfair lending practices. 

I would like to reiterate I applied for this HELOC around XX/XX/XXXX and I was strung along for nearly a year ( Trustmark gave me deadlines to submit documentation, but took extended time to review information & supply decisions ) & made to supply several documents throughout XX/XX/XXXX through XX/XX/XXXX that were accepted by Trustmark. I was given multiple approvals/interest lock in agreements with closing dates, only to be told after the loan closing expiration date, that I needed to supply more documents to close.
Product: Credit reporting or other personal consumer reports

Equifax, this complaint is my final communication regarding your claim that the account below is being reported accurately. Complaint # XXXX, which I will attach to this complaint, states that the company listed on my credit report is not the correct agency. The original creditor has not validated this debt, and the agency listed on my credit report can not validate the debt because they are not the point of contact. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for XXXX  XXXX. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. Equifax is the only credit bureau reporting this inaccurate account. I also sent a debt validation letter to the collection agency over 30 days ago, and they have failed to respond so how are you reporting this account as accurate? I will attach the debt validation letter which is dated and time stamped. The following account is to be removed from my credit report within 14 days due to false and misleading information : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/XXXX Details XXXX  The account was not listed in XXXX nor XXXX TransUnion has almost failed to allow me to see my complete report over online as well as over the phone Additional information Account is in violation 15 usc 1681a Account closed and charged off status of XX/XX/XXXX which is failure to report complete and accurate information. Showing a past due balance on XX/XX/XXXX as XXXX with XXXX XXXX XXXX usage is 0 %. How is it possible with the accounts reflecting XXXX in balance and usage and no payments history be charged off the is no original creditor listed and I agave Resolution I am demanding is deletion of this XXXXl on my account I have allows TransUnion 30 days per law to investigate and as you can see per the inaccuracies and incomplete information on the account the investigation was not properly done TransUnion I will file sue for damages up to XXXX per my FCRA law 15 usc 1681i if this account is not removed as it is in violation of 15 usc 1681 for not providing complete and accurate information
Product: Credit reporting

I have ask them to remove XXXX XXXX XXXX that was open XX/XX/XXXX that is is BEYOND STATUTE and they it have be their until XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX XXXX  Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX. ) Account # XXXX XXXXXXXX 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, 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
Product: Debt collection

On XX/XX/2023, I, XXXX XXXX, contacted Rent Recovery Solutions LLC, requesting that I be mailed the following documents in reference to a debt : a. Original Contract b. Billing associated with account c. Creditors information d. Authorization to collect debt However, Rent Recovery Solutions indicated that they will not send a copy of the authorization to collect the debt to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these accounts are closed and should have not negatively impact my credit score. My credit went Down XXXX points because of this negligence I need someone to personally email or fix this issues on my credit score because this is wrong on all parts. My credit was at XXXX then went down to XXXX Im very upset please fix this error
Product: Credit card

I just realized today checking my account that I have been charged late fees for more than a year. I have scheduled an automatic payment that has been paid on the due date every single month as shown on my bank statement. I am not sure what happens at their end but Kohl 's credit company has been charging me late fees for more than a year and the supervisor I spoke to on XX/XX/year> says they could only reverse 2 months of late fees. While she says I have had credit for 2 months back, she was not able to explain to me why the would reverse 2 months and keep the rest of the fees as charged. I make my payment on time and I do not think I have been treated fairly if someone went in the system to reverse some of the fees without me calling them, they could give me credit for the rest of the unjustified late fees. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Reference to the entities below are in violation of the laws enclosed. 

Company and/or Business : 1. AR Resource Inc - Open - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX open - XX/XX/2022 * 15 u.s.c 1681 section602 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; * 15 U.S.C 1681 Sec . 604. Permissible 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; * 15 U.S.C 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy
Product: Debt collection

XXXX XXXX XXXX XXXX PORTFOLIO RC XXXX XXXX XXXX XXXX XXXX XXXX *****SENT VIA CERTIFIED MAIL*** RE : VALIDATION OF ACCOUNT XXXX XXXX XXXX XXXX  ) To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company XXXX XXXX XXXX XXXX  This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX XXXX XXXX XXXX XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

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.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contact the company and have told them that the debt is not mine i have also told them that i believe that the debt is identity theft and i need them to remove the debt from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 
Account name XXXX XXXXXXXX acct. # XXXX, acct. name XXXX  acct. # XXXX, acct. name XXXX XXXX acct. # XXXX, acct. name XXXX XXXX XXXX acct. # XXXX, acct. name XXXX XXXX XXXX acct. # XXXX, acct.name XXXX acct. # XXXX, acct. XXXX XXXX XXXXXXXX, acct. # XXXX, acct. XXXX XXXXXXXX XXXX XXXX. acct. # XXXX, acct. name XXXX  acct. # XXXX, acct. name, XXXX acct. # XXXX, acct. name XXXX XXXX  acct. # XXXX, acct. name XXXX XXXX acct. # XXXX, acct. name XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, acct. name, XXXX XXXX acct. # XXXX, acct. name, XXXX XXXX acct. # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Mortgage

I have been working on selling our home of 30 years since XXXX 2015, Unfortunately as everything I own seems to be worth less than what I owe. I am resorting to a short sale and even asked if we could do a deed in lieu of they said NO!!! we have the property listed with a very reputable realtor. we have submitted every document on the list ( even several times ) for the same doc. 
We have been waiting weeks for any kind of answer. When I call they say they dont need anything else but still will not move forward. This week we were notified that it was going to another new processor. Just to go on the bottom of someone else 's pile of to do stuff. Out of everybody My family and I have worked very hard to keep this home even thru hard times but we always pulled it out. We are the only ones loseing here. My idea was to sale this home later for our retirement next egg but they tell me the home needs to moany upgrades with nothing wrong with it?? go Figure, Please Please if you have anything that can help speed up the process that would be great!!!!! Thank You for your time. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints and tried to resolve this with each credit bureau ( Equifax, XXXX, and XXXX ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and XXXX XXXX and should be excluded from my credit report. 



603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standingXXXX XXXX XXXX - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;