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

Data x has reported information without my knowledgeThe Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. " 15 usc 6802.d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ;
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense XXXX. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Debt collection

I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate and incomplete credit reporting by Equifax. I previously sent a dispute letter XX/XX/XXXX, which is dated and time-stamped, yet the disputed information has not been validated or corrected, and it is still inaccurately reporting on my credit file. 

The following accounts contain erroneous late payment entries : XXXX  ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to federal law ( 15 U.S. Code 1681a, 15 U.S. Code 1681a-1, 15 U.S. Code 1666b ) , late payments should not be reported without explicit consent, and my report should not include transactions or experiences that I have not authorized. 

These inaccurate late payments are negatively impacting my credit and violating my consumer rights. I request immediate removal of these late payments and for my credit file to reflect accurate and verified information. I have attached supporting documentation as evidence of the errors. 

Please correct this reporting within 14 days, or I will escalate this matter further.
Product: Debt collection

In XXXX of XXXX I was contacted by XXXX XXXX stating they were filing a lawsuit against me and that the lawsuit will be delivered to XXXX XXXX Courts if I do n't settle the debt. I was allowed to set up a payment plan if I give them an amount to pay. I settled for {$2600.00}. 

In XXXX of XXXX, I was able to pay off the settlement amount and they sent me a Release Letter stating that my account is paid in full and I am no longer liable for the debt. 

Today, XXXX XXXX, XXXX, my brother-in-law and husband received phone calls stating that the callers were " servers '' from XXXX XXXX XXXX. I called the number and they were posing as " servers '' but " transferred '' me to their litigation department to settle prior to serving my employer tomorrow. They identified themselves as XXXX XXXX XXXX. He told me the same thing, settle and send money or they file legal documents. I called back and ask for the account number of the original debt. This debt is the same debt I had already paid and settled with XXXX XXXX. I told the " Litigation Manager '' I have release letter regarding this account. He told me to email to XXXXXXXXXXXX and fax to XXXX. I emailed. However, when I tried faxing, the number he provided was an incorrect number. 

I will be filing a separate complaint against XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules. 

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information. 

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions. 

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a notification from my XXXX account on XX/XX/XXXX that my score dropped due to a collection agency who purchased the debt from XXXX , attempting to collect a debt of {$420.00}. I do not have a contract or know who they are or why they are trying to collect this debt that has been settled with XXXX and myself. They first tried to collect {$470.00} on XX/XX/XXXX and lost XXXX points, I was able to dispute it through the XXXX app and it disappeared for a month or XXXX, then it showed up today XX/XX/XXXX and I lost XXXX points. They are now attempting to collect {$420.00}. Which again is inconsistent with the original said debt. This debt has been settled between myself and XXXX, however they are not in contact with the debt collectors who are attempting to collect and can not intervene to stop the collection of this false debt. Attempting to remove this myself working with XXXX has led to me needing to report this to CFPB so that my credit is no longer impacted with a bad debt that is untrue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I have received a delinquent bill for a loan I NEVER applied for nor received From XX/XX/2015 with XXXX XXXX they CAN NOT or WILL NOT send me ANY PAPERWORK with my ID, signature or copy of the car title used ( which I HAVE NEVER OWNED )
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING INACCURATE INFORMATION REGARDING AN ACCOUNT THAT HAS NOT BEEN AUTHENTICATED ACCORDING TO STATE OF FLORIDA AND FEDERAL LAW. THE COMPANY FURNISHING INFORMATION TO EQUIFAX IS VIOLATING CONSUMER PROTECTION LAWS AND CONSPIRING WITH EXQUIFAX TO DO SO. XXXX XXXX XXXX XXXX HAS FAILED TO AUTHENTICATE ANY ALLEDGED DEBT AND COLLECTION ATTEMPTS ARE IN VIOLATION OF UCC 9-210 AND FLORIDA STATUTES 679.210 IN ADDITION, EQUIFAX IS PARKING THIS INACCURATE INFORMATION WITHOUT CONDUCTING AN INITIAL INVESTIGATION NOR REINVESTIGATION. EQUIFAX IS REPORTING THIS ACCOUNT WITHOUT ANY VERIFICATION OF THE LEGAL OWNERSHIP AND ABILITY TO CONDUCT DEBT COLLECTION ACTIVITY BY XXXX XXXX. THERE HAS NEVER BEEN AN DUNNING LETTER PRIOR TO REPORTING AND DAMAGING MY CREDITWORTHINESS.
Product: Debt collection

On XX/XX/XXXX phone number XXXX called my husband during work hours, the caller identified herself as working for BC or XXXX Services debt collection, she was looking for the person reporting the incident. My husband replied that he was the spouse and could be dealt with, she wanted him to verify that she was talking to the right person and asked that he verify my date of birth. Refusing to give that information he asked if she would provide the birthdate, she responded with the correct year and asked that he provide the month and day of birth. Giving her the month and day, she said she was collecting a debt of XXXX dollars owed to XXXX XXXX XXXX XXXX of XXXX. She asked then for a credit card information to pay the debt. My husband responded that we would settle the matter with XXXX directly. He then called me to alert me to this issue. Checking my XXXX account online I found no outstanding balance in my account. Determined to do my due diligence I called XXXX XXXX billing department and was given a number to their debt collection agency. XXXX XXXX is the debt collection agency for XXXX XXXX and they had nothing on their system relating to my account or the number that had been called. XXXX XXXX 's Billing department also confirmed that I had no outstanding balance due.
Product: Credit reporting or other personal consumer reports

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 0 4 a section 2 it also states a 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: Debt collection

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that I.C. System, Inc. is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. I.C. System Inc. received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.
Product: Checking or savings account

I signed up for Citibank and they have been the hardest most confusing bank ever to deal with. I would never bank with them again. I ended up getting a card and a checking account with them and after I spent a couple of things on the car for a whole month my car got blocked. I have called multiple times talk to multiple supervisors and they have said they will send out a letter 5 to 10 business days to verify my account, which is ridiculous because you cant have access to your funds until that letter comes no other bank does stuff like that so I was really confused. Then they are so rude and dont even try to help you out and they actually hang up in your face. Its the most annoying bank to have stay away.
Product: Debt collection

They came to my house on XXXX/XXXX/XXXX at XXXX and I explained that I did not have the payment then but was aware of the payment due. My payment is not even 30 days past due. She said that not acceptable. I told her I would pay that Saturday and she would not accept the answer. I told her repeatedly that it is not even 30 days. She said that they would not let me borrow money again and I said that was fine. Then she said she was going to put a garnishment on my check. She said she will be back at my house tomorrow.
Product: Credit card or prepaid card

Scheduled Payment on Citi bank credit card app for XX/XX/XXXX however due to some glitch in the APP the payment defaulted to XX/XX/XXXX as XX/XX/XXXX was a Sunday. I was charged late fee plus interest. I called customer service and the representative acknowledged the glitch and transferred me to a supervisor. Unfortunately supervisor was rude and hurled XXXX expletives and forced me to close the account without waiving the fees. I Sent email and website based complaints to Citi bank however never got any reply. I paid the final bill on XX/XX/XXXX to the tune of {$1300.00}. 
I am getting hounded by the Citi folks for last one month that I have pending balances and they are piling up the late fees which per them is now {$31.00}. 
I am perplexed at the audacity of this company who have not even replied to my concerns and instead keep on calling from different numbers sending texts and making my life miserable. I am a XXXX XXXX and being hounded like this for no reason is uncalled for unacceptable.
Product: Credit card

I made a car rental reservation months ago with Chase XXXX, but when I arrived, the XXXX location did everything possible to upsell me, attempting to charge XXXX per day for an upgrade to a XXXX I didn't want. They falsely claimed that my route required snow chains, supposedly mandated by the police. However, after checking with other car rental companies nearby, I found this was untrue. In the end, they even claimed the XXXX was unavailable and canceled my reservation. 

Then Chase asked me to file a claim with XXXX  Due to multiple agencies in between, this website said I was not authorized to discuss the problem with them. XXXX acknowledged the problem but unable to provide a refund. I was being kicked by all these parties without a resolution
Product: Credit reporting or other personal consumer reports

I am attempting to obtain a mortgage loan for me and my family. However, Equifax is not cooperating with removing the security freeze. I followed their procedures for identity verification, and they are still unwilling to remove the freeze or even speak to me regarding this issue. It is very frustrating and now I can not get a mortgage for my family because of Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was sent to live in XXXX  by the company i work for a few months. They, the business was paying the utilities and rent of the house we stayed in. When i moved back to XXXX  I did not leave a forwarding address and was fully expecting the business to take care of the final utility bill that was ultimately sent to Diversified Adjustment Services ( a collection agency ). Diversified Adjustment Services never contacted me by phone or email. All correspondence was sent to the address i was no longer at! Once I found out it was it was on my credit report, i paid the balance to XXXX ( the original creditor- a utility company ). I paid the creditor directly because I had no information on the collection agency at that time. This was paid on XX/XX/year> and was assured it would be removed from my credit report with 45 days. It is nearing 3 months and this has yet to be taken care of. 

I reached out to all three credit reporting agencies and sent them the letter and statement from the utility company showing the account had been paid directly to the original creditor. XXXX and XXXX immediately removed it from my credit report. XXXX refuses to remove it, claiming that Diversified Adjustment has told them, on the three occasions I have filed a dispute, that the account has not been paid off. 

Diversified has refused to send me a statement or receipt showing it was paid off and keeps telling me that they have advised XXXX that the account is paid on three occasions. The lack of communication between XXXX and Diversified Adjustment has my hands tied without knowing where to turn for help on this matter. I need this removed from my credit report as soon as possible. I have waited long enough for this. I paid this account three months ago. This game of theirs is absolutely ridiculous already.
Product: Mortgage

On XX/XX/2023, I phoned Select Portfolio Servicing XXXX Inc. to request an updated escrow analysis to reflect the significant permanent decrease in the property tax for my home. The property taxes decreased by {$1800.00}. 

I followed their instructions to email my request and attached the official tax document showing the lower property tax amount. I did so on XX/XX/2023. 

Since that date, I have emailed my request again ( XX/XX/2023 ) and I have phoned them on five ( 5 ) occasions- XX/XX/2023, XX/XX/2023, XX/XX/2023 and twice on XX/XX/2023. On each occasion, a different excuse was given and a different time frame as to when my request for an updated escrow analysis would be completed. 

The decreased property taxes should reduce my monthly mortgage rate. Given the current rate of inflation, any decrease in my monthly mortgage expenses would be greatly appreciated. 

Thank you in advance for your assistance in getting them to respond to my request.
Product: Credit reporting

I have on my credit names that I had never used attached with addresses I have never lived. One is my ex husbands address and has me listed as another name. I am asking for this to be removed. This was pulled up by a background prior to getting employment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ).

it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.
Product: Credit reporting or other personal consumer reports

Accounts : XXXXXXXX XXXX XXXXXXXX, amount : {$160.00}, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, amount : {$970.00}, Date : XX/XX/ In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX ) 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 permission.

Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.