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. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

XXXX of Virginia, operating by and through JPMorgan Chase Bank, continues to send threatening letters and e-mails alleging debts that I do not owe.
Product: Payday loan, title loan, or personal loan

this account was charged off and sold therefore it should be removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PHEAA did not notify me of payments I could have made or arrange while I was working between XX/XX/XXXX and XX/XX/XXXX. Instead, they decided to garnish my wages and made my 1 ) credit look bad, 2 ) and my loan with them look like it was in default still. Then while I was laid off XX/XX/XXXX, and had little money, PHEAA, or the US Dept. of Education took my entire tax return as a tax offset while I was unemployed. Then I received no mail from PHEAA regarding this in default loan from XXXX, which is closed on my credit, but now it shows started on XX/XX/XXXX? I just spoke with someone at PHEAA and they will not approve a tax offset for my XXXX taxes while I am unemployed! Nor have they sent me any mail regarding this problem! This is not legal is it? 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX both parties involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that this fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

" NEW ISSUE '' Police report XXXX attached. FOLLOW THE LAW AND DELETE REPORTING. YOUR BREAKING THE LAW. MARKING THIS COMPLAINT AS A DUPLICATE WILL SHOW FURTHER SHOW BARCLAYS WILLFUL NONCOMPLIANCE. 

BOTH POLICE OFFICERS STATED TO KEEP SEEKING YOUR COOPERATION. 

Detective XXXX XXXX or Detective XXXX XXXX XXXX XXXX XXXX Police XXXX
Product: Credit reporting or other personal consumer reports

I found a dispute with checker to ask them to re-run the report because there had been some recent change. I also sent proof and a statement of those recent changes and when the report was reran, they proceeded to report the inaccurate non-updated information in the background check which is keeping me from working numerous jobs in the healthcare field, I emailed them to their accuracy. I also spoke to them over the phone. They refused to let me speak to a supervisor so now I am taking it to the next level. I also requested the information that took place in the reinvestigation procedure and I have not received that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX expired at end of XXXX. Applied for mortgage forbearance in XX/XX/XXXX. Granted forbearance through XXXX of XXXX. Mortgage company reported me as delinquent on XX/XX/XXXX resulting in > XXXX point credit score reduction. Appealed to the mortgage company on XX/XX/XXXX. Mortgage company rejected appeal on XX/XX/XXXX stating that under the Fair credit reporting act " all institutions are required to report complete and accurate information... based on actual events ''.
Product: Credit card or prepaid card

I was laid off in XXXX of XXXX and was trying to make sure I pay all my debts in time. Amex has shown no interest to help with the interest rate issue. Im trying to make more than the minimum due and have called multiple times starting from XX/XX/XXXX till XX/XX/XXXX to request and plead interest charges waived but they keep saying its our policy and we will not waive any fees. Ive been a customer of theirs for over a decade and during this time of crisis Im asking a little help but they were not making any effort to help me out and said to write letters to corporate.
Product: Credit reporting or other personal consumer reports

Dear Comenity Bank/Victoria , I am writing to request additional details regarding an account previously held with your institution, listed on my credit report under the account number XXXX. Please note that I am not disputing the validity of the account. However, I would like clarification on the following details : 1.The date of first delinquency on this account.

2.The date of the last payment made on this account.

3.The date of the charge-off for this account.

I kindly ask that you provide this information in writing at your earliest convenience. Please send your response to the address listed at the top of this letter. 

Thank you for your time and assistance in this matter. If you require additional information from me to process this request, please do not hesitate to reach out. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2021, I reviewed my credit file for any updates on my XXXX, XXXX and XXXX credit files, but what I noticed was that ARS had added another XXXX Accounts - XXXX XXXX, without issuing a notice to me or documentation showing proof of the claim, so that I could have my insurance company billed correctly. 
The current account on my credit files is for XXXX # XXXX in the amount of {$900.00}, along with my last request for compliant, that was closed by CFPB # XXXX, dated XXXX, in the amount of {$470.00}. Again, they have yet to issue proof of the claim for the XXXX Bills, provide proof that they provided documentation, since they claim to be the original creditor. I believe once again this agency has violated my rights as a Consumer ; the right to have the information be accurate and be informed of any debts on my credit before giving me the right to dispute before altering my credit files, per the FCRA. 
My next step is to the Attorney General Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX /formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XXXX this fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response so I called on XX/XX/2019 to see what could be done. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. Now it is back on my file with a new name the account which is named XXXX XXXX was formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX  account # XXXX? XXXX XXXX merged and is now XXXX XXXX .... this Is the same account with a new company name ... .. but again this is the " SAME '' account that was removed for fraud ... this was not there before .... this account is not mine and needs to be removed permanently and not be reinserted again please research the previous deletion of XXXX XXXX/XXXX XXXX XXXX XXXX   account # XXXX so you can determine how to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not delete this as a duplicate. I am working and live in XXXX. I have lived in XXXX and XXXX as a XXXX since 2008. I had many accounts opened without my knowledge or consent. I have asked XXXX XXXX and XXXX to remove the fraud account they have listed. They have never provided me proof that the account was mine. They can't, as I did not open it. PLEASE instruct them to remove this account which had NEVER belonged to me.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX 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

Incorrect information on my report that I want removed in the next 48 hours
Product: Credit reporting or other personal consumer reports

I've been a victim of Identity Theft and I have reported it to identitytheft.gov with the reference number XXXX I also noticed some unidentify inquiries on my credit report. 
Listed below are the unidentify inquires showing the bank names and dates : Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was approved for lease loan in amount of around {$2500.00} with Acima. A lease agreement was signed for a purchase with XXXX XXXX XXXX, however, order was then canceled as I decided not to proceed with purchase.. On XX/XX/XXXX, I attempted to make a purchase at XXXX 's XXXX, was declined.. It appears the prior purchase may or may not have something to do with decline, the order might still show in process and or merchant has not canceled on their end... I attempted to clarify situation by speaking with Acima rep, was told no information regarding decline ... There appears to be a technical issue which Acima reps refuse to address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX  Date of XXXX XX/XX/XXXX - XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX, XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX {$40.00} Late/Open XXXX XXXX **** XX/XX/XXXX {$33000.00} Late/Open XXXX XXXX XXXXXXXX {$0.00} Late/Open XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4.00} XXXX XXXX XXXX ***** XX/XX/XXXX {$10000.00} Late/Open
Product: Debt collection

Was contacted in XX/XX/XXXX about a sorority debt that was due. Was told that I had to create a payment plan and they insisted I put it on a credit card if I could not pay it out of pocket. I was never given a written notice about the amount of the debt, or any additional information such as the right to dispute the debt. After giving them credit card information I realized I had the right to dispute but they had already subtracted money I didnt have from my credit account. The debt is now {$5300.00} and I dont know how much it was to begin with due to not having a written or official notice of this debt or any account number to track it. I do not owe this debt and was forced into paying it because they insisted I had to. I called them again in XXXX and they did not answer.
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  OF A Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Inquired on XX/XX/XXXX, XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on my credit profile with all three CRA 's several years ago. Recently I had to temporarily lift the freeze and experienced no issues with XXXX and XXXX. Tranunion locked my on-line account preventing me from managing my credit profile security and refuses to unlock my account. I never requested the account be locked nor have I been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had any business with Credit Acceptance. However, this company has reported a {$20000.00} fraudulent debt to XXXX. Instead of asking this company for proof of this debt, XXXX took their word and placed this fraudulent debt on my credit report. I believe that XXXX did this because of my race and XXXX. I am an XXXXXXXX XXXX woman. This is slanderous and libelous. Credit Acceptance and XXXX should be held accountable for putting fraudulent debt on consumers credit reports.
Product: Consumer Loan

Bank of America repossessed my vehicle for missing only one payment because of banking account information error. I was given a chance to correct the error after the vehicle repossessed. I did reach out to Bank of America to resolve the issue in writing but the bank chooses to ignore my request. In my letter I politely request the bank to return the vehicle so that I will continue to make the payment as agreed under the terms of the contract. The bank prefer to remain silent and go a head with their plan and sold the vehicle for much less than what it worth and unfairly hold me responsible for the balance. I kindly request for the consumer protection bureau to investigate strongly, and as a result, release me free of any responsibility to clear my credit report history. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX XXXX Capital One Account No : XXXX I have contacted Captial One Credit card services several times about the incorrect reporting of the balance they show I owe. 

The outstanding debt has been paid in full, but it is still showing on my credit report with an open balance of {$820.00}. 

I sent a letter to all three credit reporting agencies with proof the debt has been settled through Capital One 's third-party collecting agency XXXX XXXX XXXX but XXXXXX/XX/XXXX, I received an alert from XXXX showing the credit bureau added a statement to my credit file that reads, description 1 " consumer disputes- reinvestigation in process '' and 2 " amount in high credit is original charge-off amount. '' By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is a victim of a data breech which caused my private information to be leaked and accessed without my consent. I received a copy of my credit report and notice that I have inaccurate unknown information reporting on my credit report. I have reached out to these companies requesting this inaccurate unknown information to be deleted from my account immediately but have been ignored. Please remove this unknown inaccurate information from my report immediately!!!!
Product: Credit reporting or other personal consumer reports

I was denied credit because of my Experian credit score and the score in the notice showed it was more than XXXX points less than my other two scores. I went to Experian and tried to log into my account. I couldnt remember my user name so I selected Forgot user name. It took me to a screen to enter my birthday and social security number. When I did it said they didnt match. Theres no reason they wouldnt matchI double and triple checked. So, I then tried to create a new account ( I tried about ten times over two days ) and I kept getting an error and the message said Please try again later. 

After all that I tried to call them to tell them I couldnt access my information. All I got was a recording saying they can only put me through to an agent under a very few circumstances. I tried everything I could think of with the automated system. I said Fraud, and a few other similar terms to try to get an agent and it would not connect me to anyone. I also could not find an email address. 

This is causing me tremendous stress. I should be able to talk to this company, especially if theres a big problem with my report and suspected fraud. However, there is no way to speak to a human about fraud or helping me to create an account there. This is an organization thats had a data breach and if they are going to give out this kind of information, they should be available to speak to consumers. I have no way to fix this issue so Im appealing to you to see if I can get some help. 

I have attached the error I keep getting when trying to open an account. 

Thanks, XXXX XXXX