23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 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 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 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, 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 TAKE 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. 16815-2 ( 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

" 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$6100.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$670.00} ; XXXX XXXXXXXX XXXX. XXXX ( Original Creditor : ) XXXX Balance : {$930.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfers

RE : PayPal, XXXX, XXXX & XXXX, XXXX. Fraudulent rental listings paid for through PayPal. 

I am currently XXXX with XXXX and XXXX. I was force to sleep in my car due to the fraudulent and malicious acts by XXXX, XXXX & XXXX XXXX XXXX XXXXpaid through PayPal wallet. I was denied and defrauded of a public accommodation. 

On XXXX XXXX, 2016 at approximately XXXX I contacted XXXX, a subsidiary of XXXX XXXX ( XXXX, Ma. ) and XXXX based XXXX. These companies book hotel rooms, flights, etc. I responded to an ad on XXXX website to rent a private room & bath at XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at {$40.00} per night. I contacted XXXX customer service to ask questions about the owner, rental cost, etc. prior to booking. After negotiating booking the room for 2 days ( XXXX ) and a second agreement XXXX ( recorded statements ) to rent at same rate the owner XXXX XXXX contacted me to say that " he forgot to change seasonal pricing and would not honor booking '' and he proceeded to cancel my booking. ( bait & switch ) After a few hours, I went to address of where I booked room and address did n't exist. This was a fraudulent and illegal transaction in which I contacted XXXX, XXXX, Paypal and XXXX XXXX. When speaking with Paypal customer service I was informed that I was the XXXX person that day to call regarding same scenario with XXXX & XXXX XXXX. There is a pattern of fraud here involving wire fraud and deceptive business practice and circumventing it through XXXX via PayPal. When payment was made through PayPal I assumed the money was being paid in the U.S. but received confirmation from XXXX XXXXXXXXXXXX. PayPal is aware of the fraudulent activity by XXXX, XXXX XXXX XXXX, XXXX. but did nothing to protect me or my money and also was collusive in violating my rights as a XXXX person ( XXXX federal law that prohibits denial of public accommodations for the XXXX ) Please investigate and I would like to have charges brought against all involved with this scheme and also seeking restitution and damages. FBI 's XXXX and AG of Massachusetts & XXXX XXXX, Ca. have been contacted. I have a trail of emails from XXXX, XXXX XXXX and XXXX. 

Regards, XXXX XXXX XXXX XXXX
Product: Mortgage

I received a Intent to XXXX in the mail about a week ago from my tax commissioner. The mortgage company I have to unfortunately go through is beyond horrible XXXX. I sat on the phone for two hours waiting to talk to somebody. When someone finally picked the phone up I spoke to her for a total of five minutes and she told me to take a picture of the letter and email it to a company email address and she said that they should get back in touch with me. Well its been five days since then and I havent heard anything. Im worried to death that someone is going to take our home, I havent done anything wrong I paid my mortgage on time every single month it was their fault that the taxes werent paid. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent Experian a letter disputing the validity of the bankruptcy and accounts including in the bankruptcy they are reporting on my credit report. They responded with a letter stating the verified and updated his item. I went directly to XXXX XXXX  of Illinois and XXXX to dispute the item in question and neither companies could not verify this item so they deleted it from the database. I went back to Experian and showed them the deleted bankruptcy from both companies informing them if they couldn't reveal how they truly verified this item it needs to be deleted according to the FCRA. They have once agin refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest rate every year. This items needs to be deleted from my credit report if it can't be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company as been collecting personal financial information about me a selling it as a part of a service they provide. I have never been informed of this collection nor have at any time given them permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not afford to pay it off, so it's on my credit report and I had let them know but they will not do anything about it.
Product: Debt collection

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting inaccurate information to XXXX and Experian credit bureaus. The date of last activity is different on both reports. The date of last payment is different on both reports. The date of last payment is different on both reports. But when i dispute the item the company continues to say that it is accurate. How is it accurate with both credit reporting agencies when it is different on both.I have repeatedly asked Experian and XXXX to investigate the reporting. I sent them copies of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I repeatedly contacted the creditor acceptance now asking them to validate the account. I asked the to send me a copy of the contract with my signature stating that I've agreed to pay them, along with the terms and balance. They have not responded to either letter i wrote them all sent by certified mail and return receipt that was signed by someone at the company. I am really discouraged by this. I am paying XXXX, XXXX XXXX dollars for a car that only cost XXXX, XXXX because of these companies negligence. I was just turned down for a mortgage because their negligence. The dates that i contacted acceptance now are included with the certified mail receipt and return receipts. I did not include them all because there are so many but what i have included should be enough. XX/XX/2020. XX/XX/2020. XX/XX/2020. XX/XX/2020. These are the recent contacts but i have some dated all the way back. I thank you for your help. Certified mail receipts and return receipts uploaded for proof and response letters from the Credit Bureaus themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have faxed and mailed my state ID card and social security to Equifax consumer reporting agency for three ( 3 ) times asking them to remove the fraud alerts from my credit file. They never remove them. When I contact them over the phone to request it to be removed they just give me hard time by transferring from one department to another and when an agent picks up the phone he asks me over twenty questions to " verify my identity ''. At the end they tell me that they would remove the alerts from my credit file but after a week I receive a letter from Equifax in which they state that they have added an extended fraud alert on my Equifax credit report. And the worst part is that they also notify XXXX and XXXX XXXX to add an extended fraud alert on my credit files which never requested by me. 
It is just waist of time to deal with Equifax. It has been over a month I am sending Equifax letters asking them to remove fraud alerts from my credit report .... 
So far no results ...
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 


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 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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

TARGET RED CARD, is in violation of multiple laws set forth by Congress in regards to the following account # ending in XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( TARGET RED CARD ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( TARGET RED CARD ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. TARGET RED CARD, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from TARGET RED CARD for the cancelled debt of { { {$780.00} } } in order to file as ordinary income. Where is my 1099-C? TARGET RED CARD is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! TARGET RED CARD has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In TARGET RED CARD terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of TARGET RED CARD nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and 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. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I reached out to Rocket Mortgage in XX/XX/2023 to apply for a Home Equity Line of Credit. I spoke with XXXX about the options. He indicated to me that he had to put our application on as a 1st FHA loan so that the appraisal can cover any other loan type we were looking for. He went over fixed rate 2nds could also be a possibility. Then once they reviewed the application they required us to pay of nearly {$10000.00} worth of 0 % debt to get our scores and ratios where they needed to be to complete the loan. THEN after 3 weeks of doing EVERYTHING they asked of us they decided to disclose that they do not offer Home Equity Lines of Credit. If they would have indicated that to us in the beginning we would not have had 2 hard credit pulls nor would we have paid off {$10000.00} in ZERO PERCENT debts. This company lied, misled, miscommunicated and did not disclose truthful information.
Product: Checking or savings account

I have over 5 years with Chase Bank. I have never had a missed payment, negative balance and my credit score is XXXX. I have a personal account, auto loan and business account with chase. During this Covid crisis they decide to send me bank closure account letters for all my credit cards and my personal accounts. There is no reason other then listing " reputational risk '' which makes zero sense to me. Ive called and they give no information. This is not right. They are closing peoples accounts for unknown reasons during a time that getting money and funding is very difficult.
Product: Debt collection

CALVARY SPV 1 LLC SUED MI IN COURT CASE # XXXX XXXX XXXX.THEY USE EVIDENCE PROVIDED BY XXXX XXXX . THEY COULD NOT PROOF THEIR CASE AND REQUESTED THE COURT TO DISMISS THE CASE BEFORE COURT DATE. SEE EVIDENCE ATTACH. THE CREDIT LAW STATED THAT IF FURNISHER OF CREDIT CAN'T PROOF OR VALIDATE THE ACCOUNT. THEY CAN'T REPORTED TO THE CREDIT AGENCIES. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT. 

ACCOUNT NUMBER ENDING IN XXXX.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized hard inquiries on my credit report. I have already filed a dispute with the credit bureau and lender, but they have refused to remove these requests. Pursuant to FCRA Section 604, requests without my consent are unlawful. I demand immediate removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is currently reporting on all three major consumer reporting bureaus that I owe their company {$230.00}. Reporting started on XX/XX/2023 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Debt collection

On XX/XX/XXXX I was notified of a collection alert on my credit report with XXXX  via email. I logged into XXXX  and viewed the collection. I contacted to original owner twice and in the second call today I and was told to settle this account with the collection company as they sold it to them. I explained to the original owner of this debt that I never received any certified or uncertified mail, calls or any correspondence of any sort about any debt I owed them before it was sent to a collection agency which then admitted to not communicating with me about. 

On XX/XX/2019 I received a response from XXXX XXXX from Penn Credit Corporation that Penn Credit was full aware that they had sent some unknown notification to a non-deliverable address which the post office confirmed I did not live at which just so happens to be the address of this alleged utility collection which I provided evidence of not residing at. I have never see. Any credible validation of this debt. I contacted Penn Credit on XX/XX/2019 requesting communication and debt validation and they failed to response to me or send anything to me about this alleged debt within the regulated time frame according to FDCPA : The Fair Debt Collection Practices Act ( FDCPA ), enacted in 1977, requires that debt collectors provide consumers with certain information during or within five days of initial communication, including, among other things, information about a given debt and the consumers right to dispute the debt. 

I dispute this debt for the XXXX time!
Product: Credit reporting or other personal consumer reports

transition recently deleted a allege charge off from my consumer report but reinserted it after only a few days without notifying me. under the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 5 ) ( B ), a credit reporting agency must provide written notice to a consumer within 5 business days if a previously deleted item is reinserted into their credit report. I did not not receive any such notice from XXXX. This lack of notification violates my rights under the FCRA and has caused undue stress, affecting my ability to manage my credit and I have been getting denied for a mortgage for me and my wife and children. this has been really a difficult situation for me and my family
Product: Debt collection

Debt collector attempting to collect a debt that is not owed. This item has been placed on my credit report. This had a great impact on my credit. The amount that is being added is over {$1100.00}.