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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy : Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

They do not leave voice mail. If I pick up, they hang up.
Product: Credit reporting or other personal consumer reports

Due to the data breach and Under the Fair Credit Reporting Act, I am requesting that you investigate these discrepancies thoroughly. I believe that upon review, you will find that this information should not be part of my credit report. 

I kindly ask for a prompt investigation into this matter and a fair solution that includes the removal of all items from my credit report. Please confirm receipt of this letter and keep me updated on the status of my request. 

Thank you for your attention to this serious matter. I look forward to your prompt response.
Product: Mortgage

XX/XX/XXXX signed online Closing Disclosure was good with it. On XX/XX/XXXX the notary came over at XXXX XXXX and had me sign papers. He was lining the paperwork up like three at a time for me to initial and sign. I never saw any figures or quotes. I assumed everything was as I signed online. Saw no figures and was shown none. The notary keep sawing it was the easiest signing he had and I didn't understand that until Friday night when I had time to sit down and go over things. I found that the Closing Disclosure that the notary brought left in my package was different from the one XXXX XXXX the Senior Manager Banker with Global Equity Finance had me sign online. Which I had a copy of in my computer. Copied it off and compared the two. The closing cost went up by {$1000.00} dollars. {$6500.00} to {$7500.00} The Cash at closing went down {$2500.00} from {$8600.00} to {$6100.00} and the Payoff to XXXX XXXX XXXX for mortgage loan went up {$1400.00}. along with other costs. I called XXXX XXXX Monday morning and told her everything that was wrong and I was going to sign the Notice of Right to Cancel. Which I had three business day to do per the paper work. She keep giving me excuses and telling me how it would be made up with what I would get back from XXXX XXXX. in escrow and what they would owe me and for me to wait till Wednesday. She keep telling me to wait till Wednesday. So Tuesday when I say what they had deposited into my bank account {$6100.00} vs new Closing Disclosure {$6100.00} I immediately signed the Notice to Cancel and sent it overnight delivery to Global Equity Fin. that day. I tried calling and XXXX XXXX all day Tuesday and she would not answer my calls or text messages I even emailed her. Wednesday the day she wanted me to wait till she called me that afternoon. Told me she did not say anything that she said and told me Monday was the third business day so I was to late.I thought Fri, Mon. Tuesday where the three business days. She said she didn't tell me the escrow stuff because she had no way of knowing that. Which she did. She had a copy of my XXXX XXXXXXXX XXXX XXXXXXXX. Then she said she would have her manager call me Thursday. Today. Which I waited and no one called. they are now ignoring me. Wednesday afternoon I did get a check from the title company to pay off my credit card. That was for {$11000.00} which was the only thing right per the XX/XX/XXXX Closing Disclosure. I just want Global Equity to do right by the first Closing disclosure that I signed online with XXXX XXXX. Can you help me. I feel I have been scammed and age discriminated against. I have not spent any of the money. I even told XXXX to take it back.
Product: Credit reporting or other personal consumer reports

This debt collector ( LVNV FUNDING LLC ) engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Mortgage

I requested the mortgage company ( NewRez, C/O XXXX XXXX  XXXX  | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ) add my mortgage to my credit report as I have never made a late payment. They stated that the home was discharged in XXXX and that they would not add it to my credit report. The home was NOT included in the bankruptcy XXXX years ago and I am still living in the home and paying the mortgage. The lack of reporting my mortgage to my credit report is making it extremely difficult to re-finance a new mortgage if I choose, I can not access my equity in my home.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I have already filed an FTC report. 

The inquiries are : XX/XX/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
Product: Debt collection

I have tried numerous of times to get in touch with this company, the attorney assigned refused to call me back. She continues to garnish my wages going from one court to another each garnishment she charges different amounts. This company also has ran illegal hard credit inquiries multiple times on my credit report causing my score to drop. I have filed the police report as well as put the fraud alert on my credit report and it is now frozen. This company also threatens and files complete fraud account. I have no dealings this company or the XXXX XXXX XXXX they are associated with. This company has many fraud complaints filed against them.
Product: Credit card or prepaid card

I had purchased an airplane ticket with XXXX XXXX using my Discover Credit Card to fly from XXXX XXXX, XXXX XXXX to XXXX XXXX, FL on XX/XX/2021. 
On the morning of XX/XX/2021 as I was preparing to go to the airport I received an email from XXXX XXXX telling me that the flight was cancelled. I had to buy another ticket at the last minute from XXXX XXXX and I was delayed a whole day before being able to depart. 
I contacted Discover Card and informed them that XXXX XXXX cancelled the flight and that I needed a refund. The Discover representative said it would be no problem to get the refund since XXXX is the one who initiated the cancellation. I uploaded screenshots of the email from XXXX XXXX showing that they had cancelled. 
Discover Card removed the charge of {$170.00} but yesterday they put it back on and when I call they keep me on hold without coming to the phone.
Product: Debt collection

A company called " Focus Receivables '' calls our office twice a day, every day. No one responds but looking them up online, they are a fake debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act ( The Accounts Listed Below ) has violated my rights. ( Just To Name A Few Violations ) 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S.C 1681 section 602 A : States I have the right to PRIVACY.

15 U.S.C 1681 section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

18 U.S.C 1028 ( d ) ( 12 ) It States ( Traffic ) To Transport, Transfer or otherwise dispose of to another as consideration for anything of value... 

( Accounts ) XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX are reporting lots of inquiries and negative accounts on my consumer report that i did not authorize or give permission to furnish on my consumer report i have not benefited from neither inquirie yet they put it on my consumer report causing damage to my life according to the FCRA unauthorized must be removed immediately according to 15 USC 1681b ( a ) ( 2 ) they must have my written instructions to furnish a report on me also 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX : Request for Removal of Unveriable Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$1000.00} from XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unveriable debt from my report as of XXXX According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I get repeated automated calls from a collection agency for someone else, and they wo n't stop. The phone they are calling on is a business line provided by my employer, and it 's possible the person they 're looking for is a previous employee. However, they wo n't quit.
Product: Debt collection

I recently received a payment book for a car loan debt taken out in 2018 that has never had one payment on the debt and apparently the vehicle was never registered. I have tried to communicate with them. I have made a report with identity theft .go vans the company has refused to remove the debt telling me with 7 days of disputing this deft that they did an investigation and it is a valid debt.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXXXXXX, I XXXX this letter finds you well. I am writing to formally request a copy of the IRS Form XXXX for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : unsubstantiated Amount Charged Off : unsubstantiated I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the information to my mailing address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. 

Please send the XXXX form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 



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

An incorrect address has appeared on background checks that is inaccurate. It is very close, but incorrect nonetheless. 
Dates were from XX/XX/XXXX - XX/XX/XXXX. 
My correct address dates were from XX/XX/XXXX - XX/XX/XXXX. 
This doesn't have any amount of money attached to it that I know of. 
I attempted to change this the last time it came up during a background check for a teaching job and had been assured that the information was corrected. 
The company that returned the report is EXPERIAN but it seems the Social Security Administration also is in error.
Product: Payday loan, title loan, personal loan, or advance loan

I ask Opportun service representative XXXX if they can just put me on a payment plan with no more interest but they decline it. Instead threatened me on ruining my credit for XXXX. They call me XXXX times a day or even at night, I sometimes just ignore it for it is so much pressuring. I had enough problems already of having no money and now out of job but this people doesnt seemed to understand Im willing to pay but just stop the interest that is getting me more underwater.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus have been reporting an account with inaccuracies for a while and I have disputed it with all 3 at least twice before and they refuse to comply to the FCRA. 
1. This account states it has been settled. Under the FCRA 15USC 1681 602A I have the right to privacy and under 15USC 1681 604A Sec2 You are not allowed to furnish an account without my written consent and instruction. 
XXXXXX/XX/XXXX Account Number : XXXX Delete this account, you have not been given consent or instructions of how to correctly report this account. It is inaccurate such as the dates of activity reporting differently between you and the other bureaus. This account has multiple FCRA violations, delete it! 
I gave them no permission or instructions for this account which is inaccurate down to the different activity dates, dates of last payment, date of account starting etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. Equifax have violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 ; I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

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 XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent the Consumer Reporting Agencies a Certified letter ( tacking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) asking each Consumer Reporting Agency to provide me with the documentation where I XXXX XXXX XXXX ( the Consumer ) gave the Consumer Reporting Agencies written Instructions to Furnish or publish an account on my Consumer Report. in According to the FCRA Permissible Purposes of Consumer Reports 15 USC 1681b ( 2 ). its now XX/XX/2022 and I still have not received that document from the CRA 's I also asked the Consumer Reporting Agencies to do a full investigation of the accounts that is reporting on my consumer report. the Consumer Reporting Agencies Stated ACCOUNT NAME : XXXX XXXX ASSOC ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX was properly investigated and all the Information was accurate, but how is that possible if the Open date is inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, the Account type is inaccurate and the past due is inaccurate these are grounds for Deletion. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate So once again the law clearly states a consumer reporting agency can not furnish any accounts on my consumer report without my written instructions. and I never gave no one written instruction to furnish anything.
Product: Credit card or prepaid card

My XXXX XXXX and XXXX XXXX cards were switched to Capital One last year ( XXXX ) I also had a Saks card and Capital One XXXX. 

Since XXXX I've received letters from Capital One re : the Saks and MC asking for " information '' they needed to update. So I called the number on the MC. They said the letter wasn't from Capital One and it was probably a scam. They said my accounts were fine.

A few months ago I logged onto the website and saw that the Saks card and MC were " currently restricted. '' Called Capital One again. They said they needed to " collect information '' for the account per federal law. Told them about the previous call when CSR told me the letter was a scam, They said she was wrong.

I updated the information and they removed the hold on the accounts. I thought my updated info would apply to all Capital One accounts since now it was in their system. 
Mais non. 

More letters! I thought I had already resolved the issue so I disregarded them. 
Forward to this morning : I logged onto the website and saw that the XXXX XXXX and XXXX XXXX cards are " currently restricted. '' Called Capital One ( again ) to ask about the restriction. Spoke with a XXXX I didn't understand. Transferred to another person I didn't understand. " Ma'am we are looking into it. '' Transferred 2 more times. Call time : 30 minutes and counting.

CSR told me I didn't respond to the letters. " We need to collect information about your account. '' Told her I called before and gave the information. " I can give you the information right now. Will that lift the restriction? '' Short answer : No.

They closed these 2 cards because I didn't answer the letter. 
" We also called you several times. '' Maybe so, but they never left a message. I get random junk calls all day long. How am I supposed to know Capital One is calling me if they don't leave a message? 

Now my accounts are closed. And they can't be reopened, because I'm past the 30-day response period. " Can I reapply? '' Chilly tone from CSR. " Well, you're welcome to do that if you want... I certainly can't stop you. '' That's customer retention right there. This wouldn't fly at my job.

Me to customer : I guess you can come back to our store if you really want to... I certainly can't stop you.

Manager to me : Sweetie, we've had some calls from corporate about you...

Also closing these cards has tanked my credit score. It's down by almost XXXX points. 
Thanks, Capital One!
Product: Credit reporting

XXXX account was closed more than 7 years ago. This should no longer be shown on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a hold of my XXXX XXXX  checking account in XXXX, charging varies items from XXXX. XXXX XXXX  kicked back the charges because of proven fraudulent activities. I received multiple inquire alerts requesting products in my name in XXXX and XXXX. I spoken to XXXX on multiple occasions and they keep referring me to the credit bureaus to fix the issue. I contacted Equifax on many occasions, however until recently, I was told to make a CFPB report and send it to Equifax along with identifying information.
Product: Credit reporting or other personal consumer reports

Several accounts that i have not opened in last7 years.
Product: Vehicle loan or lease

Was called from XXXX XXXX XXXX  about my loan being sold. Told that in XXXX i had 30 days to contact them back and everything would be in writing. Never gave me information about my new loan ... how to pay. I never received a account number the one i had was false and the number on the letter was the wrong number. Where to pay etc. then I got a morning wake up to a repo man saying I was Behind in payment. Also they didnt have my correct address or telephone number. So although they said they were calling me they were not. And they left no voicemails. Called to rectify things, not a lot of information was given. No time table, no payment stub etc. no account number. I still Dont know where or how to pay the balance.
Product: Checking or savings account

Hello I tried to open an account with XXXX federal and they denied my application because they are saying I'm not me. I asked for an appeal and they denied the appeal and also told me I can not reapply. I don't understand why and need help