23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ive had a PayPal credit card for several years. Due to coronavirus and a huge hit to my income I was unable to make payments for 3 months or on time. I finally got a XXXX loan for XXXX XXXX and tried to pay my credit card. They will not allow my card to be open. After having this credit card since XX/XX/XXXX. This destroys my credit at the time when I need it the most. 

As of today XXXX I had to call again to have interest fees waived after I overpaid on time to get my credit card and my credit in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. For yet another time, My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX XXXX CARD, Account Number XXXX, Balance {$10000.00}, Date Opened XX/XX/XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX, XXXX XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX Validation letter with HIPPA requirements to XXXX. I had my XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by XXXX. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of XXXX and Pendrick Capital Partners. Because neither collection company is abiding my Texas FDCPA.
Product: Debt collection

I have a letter from y'all saying I awe money to a charter communications LLC that I never ever had, and would never get one, I'm not going to pay for something that's not mine
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Co

mpliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). "
Product: Credit reporting or other personal consumer reports

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

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I also have a twin whose credit is somehow merged. Apparently he doesnt exist according to you guys and Ive been disputing that as well!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 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: Credit reporting or other personal consumer reports

This inaccuracy is negatively impacting my credit report, and I kindly request that the matter be investigated and corrected as soon as possible.

Please confirm receipt of this dispute and provide updates regarding the investigation process.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went to XXXX Toyota dealership to cosign for an auto loan for XXXX XXXX. The salesman XXXX XXXX welcomed me and told me that I was cosigning the loan for 3 months, which I agreed to and signed. XXXX XXXX totaled the pickup while under influence of drugs and left the country afterwords. After I learned that he left, I inquired with Toyota and they asked for payment for the pickup. Assuming I am a cosigner in this joint account, I agreed to pay half of the remaining balance in the amount of {$15000.00}, which Toyota approved my offer and I paid this on XX/XX/XXXX. 

After paying, I disputed with credit bureaus and they disputed with Toyota Financial and I learned that I was listed as a buyer, not a cosigner in the loan. As stated above, I was never a buyer in this loan. Currently, Toyota Financial is saying that I need to bring proof that I was not a buyer and they will let me go free. But the XXXX Toyota Dealership is not listening to my complaint.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern I have these closed accounts with XXXX Bank. XXXX BANK Closed on XX/XX/XXXX and XXXX XXXX  Closed on XX/XX/XXXX. XXXX agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, equifax and experian or any other credit reporting agency.
Product: Debt collection

I received my credit report from the three bureaus and noticed a collection account that does not belong to me. The account is listed National Credit system for an amount of XXXX dollars. I disputed this debt with the credit bureaus and they claim to verify this debt but could not provide me the details as to how they were able to verify this debt. I also reached to the collection agency who reported this debt and requested what this debt is for, how did they determine the amount they said I owed, and to provide documentation as to where I agreed to pay such amount that is said that I owe. I requested this information from the collection company on XX/XX/XXXX and have not received a response. This company is in violation of the Fair Credit Practices Act and Fair debt Collection act.
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. has violated my rights. 

15 U.S.C 1681 Section 602A. 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.
Product: Checking or savings account

On XX/XX/XXXX, I authorized XXXX to withdraw my {$150.00} transaction for my monthly premium. This month, however ; I was charged twice. I dont have pay day until XX/XX/XXXX, but I am overdrawn in my account now with pending charges. I called my Bank ( USBANK ) to dispute or atop the pending transaction I didnt authorize, but they told me I couldnt do anything until it goes through. I also asked if I was going to be refunded the overdraft fees for my account being negative, and I was told no, because its not the banks fault. So I am going to be negative on my account and get charged overdraft fees for something out of my control. XXXX also said they only see one transaction, so they can not stop any payments. I tried with Usbank and XXXX to fix this before I get charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required that was asked and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law. These accounts have been deleted from my other consumer reports. I will include proof below. According to the FCRA, Transunion is required to delete them as well. I have sent an FTC report to Transunion proving the accounts are fraudulent which was also asked for. According to the FCRA, Transunion is required to delete those items while an investigation goes forth. Transunion has not done this. This has caused XXXX XXXX and damage and also has caused damage to my reputation.
Product: Credit card

Today I received a call from a company in Ohio that processes payments for a company that sells drones. The man who called said he wanted to verify I had authorized {$3000.00} in purchases for drones to my credit card issued by Barclays Bank Delaware. I had not. When I logged onto my Barclay card account to see if the charges were there, I saw XXXX temporary charges for {$1500.00} each to XXXX. I immediately attempted to contact Barclays. After being on hold for more than 5 minutes, a representative finally comes on the line and says quickly " We are currently updating our system. Please call back in 24-36 hours '' and then HANGS UP! I thought there must have been a mistake so I called back. THREE MORE TIMES. The same thing happens every time. So now, not only is my identity compromised and my credit card being used fraudulently, but I ca n't even talk with someone at the credit card company to find out why they did n't put a stop to the charge ( On XXXX XXXX, 2015 they refused to allow me to charge {$130.00} XXXX until I spoke with their fraud department ) as suspicious and what I 'm supposed to do about it.
Product: Mortgage

Around XX/XX/2019 called to make my regular mortgage payment. Was told then need to pay a diffrent amount. Called back on XX/XX/XXXX, to again make the payment and was told i need to pay {$2100.00}. My regular payments were {$620.00}. This devistated me. All kinds of fees were added and I could not afford these payments. Close the end I found a Cash buyer and they based their decision on my XX/XX/19 statement. When we went to close the amounts change so dramtically they decided not to buy and now the house is in foreclouser. i really do not feel all the fees were fair. I felt like they forced the forclouser requesting so much money at ontime. Not even sure if this loan should be mines, thought my mother had life insurnace to cover the payments upon death which i provided the death certificate.
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. 

XXXXXXXX XXXX : XXXX, XXXX/XXXX  : XXXX, 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, 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: Credit reporting or other personal consumer reports

On XX/XX/year>, a complaint was made against XXXX and XXXX XXXX XXXX for inaccurate credit reporting. Upon completion of the complaint on XX/XX/year> XXXX XXXX XXXX recalled the account and the reporting was removed from ALL bureaus including XXXX. On XX/XX/year>, XXXX advised the account is not currently reflecting on my credit reporting and a letter was mailed to my address on record. On XX/XX/year>, I received an important notice alert from XXXX XXXXXXXX advising a new trade line listed as I C SYSTEM was added to my XXXX report. The original creditor is XXXX XXXX XXXX and I C SYSTEM is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. XXXX has constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified.. 15 U.S.C 1681 section ( 604a ). Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Now, I have limited faith in XXXX accuracy reporting due to the exposure of my personal information after verbally OPTING out of sharing with non-affiliated third parties. 16 CFR 313.7 ( f ) I have the right to opt-out at anytime. 16 CFR 313.10 states you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless the consumer was provided a reasonable opportunity to respond. Please remove I C SYSTEM trade from my credit report. 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 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I C SYSTEM violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. I C SYSTEM is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector in which whom bought a debt. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. 
XXXX is in violation and must provide a payment of {$5000.00} to the address on record. 15 U.S.C 1681 section ( 602a ) states, I have the right to privacy. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio Recovery Associates, LLC, a debt buyer, attempts to collect an old debt that has reached its statue of limitations under new California Law. PRA, LLC continues to report negative and misleading information to XXXX, as a result of inconvenience of applying various loans.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX on XX/XX/year> to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and TransUnion. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information .

I have not gotten a response from this company and they continue to report my personal information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Transunion, This is in relation to my TransUnion credit report dated XX/XX/2022. Ive found a few inaccuracies in the following accounts and these need to be removed. 

Attached to this complaint are : - My drivers license - My mailing address - My social security card - My written complaint + screen shots To have the accounts removed for many major inaccuracies
Product: Credit reporting or other personal consumer reports

To whom it may concern, Please see attached the information that I've collected that it's inaccurate and thus I'm challenging for it to be remove from my report. 
Thanks
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found a Discover account that was previously removed due to fraud place back on my credit report as well as another account that was not authorized from XXXX XXXX XXXX on credit report. I believe my information was comprised in the XXXX Data breach upon checking my social security information on the the website. The two account listed in this report are fraudulent and reporting misinformation on my credit report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the XXXX Police Department and obtained a police report # XXXX which both are attached. I also included a Affidavit of Fraud to this letter which I have signed and have had notarized. I have contacted and written several letters and keep getting stall letters. I am attaching my Drivers License and my social security card. The following item does not belong to me and is a result of fraud that I did not authorize : XXXX. DISCOVER BANK Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I discovered the debt in XXXX of 2020 and realized that the debt doesn't belong to me. It possibly belongs to XXXX XXXX XXXX XXXX NOT XXXX!. I have a police report and my drivers license that is different number than what the company has in their records.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already filed a police report ; and let the agency know that this was identity theft ; yet I get the dispute dismissed almost immediately and it is still showing on my credit report. It is clear that Experian is auto-denying disputes as I can't reach anybody on the phone that will give me more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously attempted to have inaccurate information removed from my consumer profile due to the timeframe being more than 7yrs as outlined by 15 usc 1681 ( a ) ( 5 ). I received mail confirmation of actions taken by XXXX but have not seen this reflected on my most recent XXXX merged report ( which I have attached below ). These late payments were supposed to be verified by XXXX by how they could have done this with differing information on my credit profile still. Date opened, credit limits, high credit, last reported, date last active, and date of late payments ( which was the original issue late payments ). These inaccuracies have impacted my life since 2012 and Ive even paid on them to have my life unjustly affected due to negligence. 
These are my pervious complaints : XXXX XXXX XXXX XXXX XXXX Experian