23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Student loan

We have both Federal and non federal student loans i believe. I have called Navient several times over the past few years to make sure the money is going where i want it to go. i called again today and the extra money we put towards the loans was not correct. they have changed the reallocation of the money or never did it in the first place.
Product: Debt collection

I had a medical bill paid off entirely and even the account it self states the balances is XXXX 2 years ago. I got a call on XXXX by debt collection agency claiming that I owe XXXX dollars and I have to paid the debt. I never got a notice of the bill or invoice or anything for the past two years since the date of service. I just received a collection agency bill yesterday. I check my mail every night after work, did not see any medical bills in there. For two years after I paid the medical bill off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year>
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 : 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 XXXX XXXX XXXX. 


Account name : XXXX, Account # XXXX, Account name : XXXXXXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : 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 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.

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: Credit reporting or other personal consumer reports

I am bewildered by the sluggish pace of your investigation, particularly when other credit bureaus have promptly resolved similar disputes. As a victim of inaccurate reporting, I have diligently followed the appropriate channels to rectify the situation. However, despite my persistent efforts, the inaccurate information persists on my credit report. This misinformation not only adversely affects my credit score but also induces significant emotional distress. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and current information on my credit report. The delays in the investigation process are exacerbating the harm to my financial well-being and mental health. Regarding the accounts with identifiers are the following : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX and Chapter 7 Bankruptcy-discharged Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, Equifax, XXXX XXXX major credit reporting agencies has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

these accounts you continued to report as late payments XXXX XXXX XXXX  and XXXX 's XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 amount of {$1300.00} My Barclay Mastercard was used on a fraudulent charge for a jetblue ticket. I called the customer service the same day I noticed the charge, they told me to wait a week. the charge was temporary removed but recently they placed it back on my account, according to their investigation department, their decision was made based on the fact that in the past I had purchased tickets with the same airline. Not this time. I did not make nor authorized this transaction. I called their customer service department and they want me to fight the charge with the airline ; however, the airlines does not provide any information. I decided to close the account with them. However, the balance is there and I will not pay for the something that I did not use. It's a fraud. 

Thanks
Product: Credit card or prepaid card

XX/XX/2022 I went to XXXX XXXX and rented a sprayer I return home and tried to use the item and it did not work i immediately returned back to XXXX XXXX and return the item I ask if they had another one to rent they stated no they said I would be refund XXXX XXXX  which was the security deposit and to rent paint sprayer for one hour is XXXX months go buy and I notice on my credit report I have XXXX late payment I call capital one and find out I was never issued the full amount I was charge by XXXX XXXX and was unaware I had a bill due because I thought I was refund and my capital one balance was XXXX I submit a dispute Thur capital one which they later decline due to lack of prof which i provided i told capital one home dept system would not allow a refund and they told me to calll my card issuer to issue a refund which never happen this has cause my credit score to drop many point due to late payment showing up on my report and me out of XXXX $
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay RMP Services LLC. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete Account immediately. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

Recently a collection account showed up on my transunion credit report. I disputed it on the ground that I have no knowledge of this account. The dispute result came back and said it is correct without giving me any info. I had XXXX XXXX incident in XXXX  and all my XXXX XXXX  card and XXXX  were stolen. I am not able to verify the ownership of the debt, if the debt is still within statue of limit, if the amount is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following Fraudulent hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights . Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I Lost my Debit card with capital one and a fraudulent charge was placed in the amount of XXXX. I contacted the bank and filed a claim. The claim was created on XX/XX/XXXX, claim number is : XXXX. The bank told me it would take ten days to resolve the claim. On XX/XX/XXXX I receive a repsonse that the claim was denied due to it being authorized by me. I have no knowledge of who made this purchase and I'm a victim of fraud. My capital one account number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a large balance off in full in XXXX, this was the last time the credit card company updated my balance to my credit report. Today, 5 months later, the previous balance is still listed. When I filed a dispute via Experian, the line item was removed due to lack of response from the card issuer thus removing a large available credit facility. XXXX XXXX  is the issuer for my XXXX Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate addresses are reported on my personal credit file with Experian and XXXX credit reporting agencies. There is no name associated with these files. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I was under the impression I was in the process of purchasing a XXXX XXXX puppy from XXXX XXXX on the website XXXX XXXX XXXX phone number is XXXX the email is XXXX We had talked over email and I was sent a bill of sale to look over and fill out and sign. After looking that over I was instructed to send XXXX payments of {$350.00} dollars through XXXX. I use TD bank that offers XXXX on the mobile app. After sending the money on XXXX through my TD app I was then instructed to continue sending money to the travel company for unrealistic reasons that website is XXXX After that I was fully convinced it was a scam. I then called my bank right away to inform them I was scammed. They told me to wait until the charges went through my account and were not pending anymore. The next morning ( XX/XX/22 ) I called and filled a fraud/scam claim on the XXXX charges. Today ( XX/XX/22 ) I called to check on the claim and they informed me it was denied. I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on my XXXX loans in XXXX and rehabilitated them in XXXX. As part of the federal loan rehabilitation program, all Negatives would be removed from my reports. XXXX has unreasonably refused to remove the negatives on my Experian credit report.
Product: Credit card

I had a credit card with Capital One for a small business that I own. Somehow they closed my account while it still had a balance and they had allegedly send me a notification which I didnt receive. I was out of the country and missed a payment when I tried to get The late fee waived they said that they couldnt as the account was closed. I then made a payment for the full balance of the account and assumed it was settled as I didnt receive any further notice from Capital one. Today, XXXX XXXX XXXX I login to the Capital One app and realized that I have a balance for late fees and interest. I contacted them to get the fees waived as I was not informed of these fees, never received a statement or any email stating so, to which they stated that they are not able to waive the fees and that I will keep getting charged until there is a XXXX balance. They told me that I had to call them to confirm that I didnt owe anything even though I made a payment for the account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX  # XXXX, XXXX XXXX # XXXX &  XXXX XXXX  XXXX # XXXX have 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 1666 B : 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to LVNV, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX  balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
Product: Credit card or prepaid card

Chase credit card. I called Chase cc cs before making a purchase with a merchant that had 1-star ratings and claimed to only issue store credits and no refunds for returned items, to make sure that I cant still get my money back if the items are not as described or unwearable. I was assured then that Im protected by Chase and Visa and will absolutely get my money back as long as I return the items. I opened 2 claims 3 weeks ago, one- for items that I have returned back to the merchant and provided shipping receipts with a tracking number, 2- item that was never received and shipping date kept getting delayed for 4 months. 
I uploaded proof and screenshots of a store credit of {$200.00} that I dont intend to use because I will never purchase anything from this store again, however, after a month Chase is still investigating the claim. I have made numerous calls to claims customer service and they just do nothing. They either hang up the phone without calling back so I have to wait on hold again and just keep saying that I have to wait for a merchant to respond. The merchant returns emails within 2 weeks. Chase has all the proof of returned items, store credit and etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, XXXX keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and XXXX will not give me my thousands of dollars back