23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card

3 attempts requesting tracking number sent by email to Chase Executive office with no response. I was told card would arrive today in XXXX. It has not. How do l get all this information to the public?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX  XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), ( XX/XX/XXXX ) AND XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) ( XX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Company is trying to cancel on a debt that has been a charge-off. This constitutes TAX FRAUD, and the matter will be reported to the IRS! I will be filling IRS Form 3949-A. 

Capital One have furnished this account as a charge off. Capital One is in violation of the Fair Credit Reporting Act 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX  XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance XXXX XXXXXXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance XXXX and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank is reporting the same credit card account on my credit reports twice ( duplicate credit card accounts ).

This makes it look like I have 2 credit cards from JC Penney that were opened in XX/XX/2016, instead of only one.

The reporting of duplicate credit card accounts is hurting my credit score, because it incorrectly shows that I have opened 2 JC Penney credit accounts within the past 2 years.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. Per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

I am disputing a collections attempt from Lien Enforcement Inc. for the amount of {$4300.00} plus interest of {$29.00}. The stated debt is from a previously owned and sold vehicle ( XXXX XXXX XXXX last of VIN # XXXX ) that incurred towing fees at a later date - not specified by the creditor. The vehicle was sold on XX/XX/XXXX and the Release of Liability was promptly submitted to CA XXXX. On XX/XX/XXXX I spoke with XXXX XXXX from Lien Enforcement Inc., and advised that I would be disputing the debt and sending them proper documentation via certified mail showing them proof that I was not the owner of the vehicle at the time the towing fees were incurred, including the Bill of Sale and Release of Liability. As of today, I have received another letter asking for the debt in full, but never received acknowledgment of the dispute. In attempt to resolve this issue, I have called Lien Enforcement Inc. and talked to several representatives that have only continued to tell me that this is still my debt and just hang-up on me. I have exhausted my options and need additional help resolving this matter.
Product: Mortgage

Have bee trying to get refinancing to an affordable note with Wells Fargo since before my husband died in XX/XX/XXXX. I have jumped through all kind of hoops for Wells Fargo including starting a probate process that they said was required and that when I received testamentary letters, I would be able to refinance and assume the mortgage. Well, I did that ( which cost me all my savings ) and that was not enough. I then sought bankruptcy protection in XX/XX/XXXX, through this process I was able to stop having sale dates ( at least 8 sales dates and 9 separate applications between XX/XX/XXXX and XX/XX/XXXX ). While in bankruptcy ( still in bankruptcy until Wells Fargo finalizes the  refinance, net date is XX/XX/XXXX ) I was able to received another application and this time received a trial payment ( that was almost 50 % of my VA dependent compensation as opposed to 30 % ) but I have paid it and paid it on time since XX/XX/XXXX. Wells Fargo has now been requiring me to go back to the probate court and they want an order that the matter is closed but I do n't have money for a lawyer and I ca n't act pro se in the probate court although there has been no activity their since XX/XX/XXXX. 
For the last four months they have been sending me this form asking for missing documents, it list two categories with directions to produce a choice of documents listed. I have complied, choosing my husband 's death certificate as the choice for the first category and our marriage certificate for the choice in the second category. Those selections which I have repeatedly complied with obviously are not being accepted although indicated as choices on their form. They have never specifically told me a specific form to provide in their written communications or phone conversations other than suggesting that the probate should be closed and I need a lawyer for more specific explanation. There are no liens or other interest or claims for our home and in fact the only document that has been filed in our property records is the heir ship affidavit that they originally said was not sufficient and I had to get testamentary letters from probate-which turned out only to cost me all my savings. There is nothing valuable here other than my home so there is no lawyer that will touch it as there are no assets from which they can be paid. 
My issue at this point is that Wells Fargo 's representative is making an arbitrary decision for not proceeding ( my home is probably more valuable to them if they sold it ) because the form they keep sending me which I have produced appropriate documents as indicated on that form but they wo n't tell me why they are not proceeding although per their form I 've complied.
Product: Credit reporting

I contacted Equifax on XX/XX/2016 ; to dispute the account, and as of today, XX/XX/2016 ; I have not received a response.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX have a collection agency for XXXX XXXX XXXX XXXXXXXX Original balance {$150.00} Status Unpaid Account number XXXX Agency number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XX/XX/2023 This is not my bill will left the apartment during Covid and received housing and utilitilty relief. XXXX XXXX XXXX XXXX XXXX XXXX, IL
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the beginning of XX/XX/XXXX I filed a dispute with XXXX, I believe it was XXXX $ to XXXX Main Financial. Long story short, we went to court on XX/XX/XXXX. The judge found in their favor and on XX/XX/XXXX I appealed the decision. Next, on XX/XX/XXXX, I filed a notice of intent to file default judgement. Finally, on XX/XX/XXXX, the office of the prothonotary filed the praecipe to enter default judgement. After all of this, XXXX  has already removed this info from my report, but Transunion and XXXX  have not. After filing a dispute on both sites, they simply updated the info to show I owed more money than before.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, I would like to report that these items that I found in my credit report recently are not mine. Its a fraud and I reported identity theft. I am very sad that now I need to dealing with removal of these accounts. I hope and believe that you make it fast because they are killing my credit report and my plans actually. I could not even imagine that I would ever face with this issue. I kindly ask you to help me and investigate this situation and delete those items. Thank you in advance
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 16 CFR 313.7 also states that I have a right to privacy. 

The existence of a derogatory rating on my account is causing me great harm. I am concerned about the impact it is having on my credit. It has caused me to be denied for several extensions of credit and made it difficult for me to attain loans as well. This has become a financial and emotional burden. In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Zelle is a digital payments network run by a private financial services company owned by the banks : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. I am not able to access Zelle 's payment network or to send money and this has been the case for more than one year. 

How the issue started I have a checking account with XXXX XXXX and a checking account with XXXX XXXXXXXX XXXX My Zelle account was previously linked to my XXXX XXXXXXXX account ; but, because I do not use that bank account often I tried to switch the bank account associated with my Zelle account to my XXXX XXXX account -since I use that one more often. Despite this being normal and proper, Zelle considered it suspicious and suspended my account permanently. Please note I am the legal owner of the XXXX XXXXXXXX XXXX account and the XXXX XXXX  account ( i.e. same legal name, same birth date, same social security number, literally same person ). I have called Zelle numerous times to try and resolve the issue, I have called XXXX XXXX XXXX numerous times to try and resolve the issue and I have also called XXXX XXXX numerous times to try and resolve the issue ; and, every time Zelle says I need to call XXXX XXXX, XXXX XXXX says I need to call XXXX and XXXX says I need to call Zelle. I have already done this ; and, none of these XXXX entities have ever resolved the issue. Therefore, I am filing this complaint with the hope it gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for for my forbearance to be applied with Navient they however didnt apply it to all my loans in which they were reporting me 150 days past due I reached out to them and they said in XX/XX/2020 they couldnt remove the reporting there agent neglect to put all my loans under forbearance thats not my fault if I requested my loans be in forbearance they have not reported 51 late payments to my credit for over two years
Product: Credit reporting

I was approved for The XXXX XXXX XXXX XXXX, once approved all inaccurate reporting should have been deleted from my credit file. There remains several that was not updated and removed. Listed below are the accounts that should also be removed. 
XXXX showing XXXX loan with Account Number XXXX DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX XXXX showing XXXX loans with Account Number XXXX
Product: Credit card

On XX/XX/year> i was notified that my SSN was used to open an account and I took all the steps to have account closed and hard inquiry removed from XXXX. 

I put a freeze on my credit but some how a month later on XX/XX/year> I got an alert from XXXX about a hard inquiry made by LLBMC/CBNA. I believe was denied because when i called they said there was no account with my SSN. But the Hard Inquiry is now on my Experian. 

I do believe my SSN has been sold. 

The thieves did change the address on my XXXX account so I have that screenshotted if you need it to make an arrest.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my Paypal XXXX  was permanently limited by the company. The company did not even tell me the reason why my account was permanently limited. I have XXXX in said account. It is my 2nd account that was permanently limited. What they did to my first account is they took all the money after 180 days allegedly as payment for the damages which i dont know. I hope you can help me restore my account because i am not in any way involved with any fraud. If they suspect that i am involved in a fraud, i am willing to cooperate Here is my paypal account : XXXX XXXX
Product: Student loan

My student loan is handled by XXXX of Texas. My XXXX XXXX is been garnished and also IRS has sent them, XXXX of my taxes. I filed this from XXXX in full these was added to XXXX. No one can tell about these monies. My balance of my student loans are XXXX. In other words I have over paid them. And I need a letter from XXXX. XXXX. of XXXX letting me out this default loan. Seems I am paying two companies. Which I can not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, the credit bureau 's have violated my rights under 15 USC 1681 Section 604 A section 2 states, a consumer reporting agency can not furnish an account without my written instructions. Also I have the rights to privacy according to 15 USC 1681 Section 602a. These accounts were furnished without my written instructions or knowledge. I've reached out to the bureau 's on numerous occasions and still no response. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX mortgage payments were given at same time. Called to get half back and they did not process request. Called numerous times with several different reps and supervisors and no one could help or give answers. After a week and a half they submitted it again. Customers can not talk to anyone above the rep level and if you get forwarded to a supervisor, none of them answer, there is no voicemail, and they do not respond to online messages. Bad business
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XX/XX/XXXX ACCOUNT : {$2300.00} under account # XXXX, An account opened at XXXX XXXX XXXX  {$720.00} : Under Account # XXXX, STUDENT LOANS : XXXX XXXX {$3400.00} # XXXX, STUDENT LOANS : XXXX XXXX {$2000.00} # XXXX, ACCOUNT XXXX XXXX XXXX XXXX {$840.00} : XXXX violated my rights. 8 inquiries on my Equifax credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and end consumer credit plan as for any purpose
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to dispute inaccuracies on my credit report, which have been reported by [ CREDIT MANAGEMENT LP ] . I have identified several violations of federal laws in their handling of my account, which warrant immediate investigation and resolution. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite repeated requests, I have not received adequate documentation supporting the validity of the debt they claim I owe. This lack of validation directly violates my rights under federal law. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper means to challenge the accuracy of the reported information, denying me my statutory right to dispute the account. 

Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. Such actions violate my consumer rights and undermine the integrity of the credit reporting process. These unethical practices must be addressed to ensure fair treatment of consumers. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This flagrant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) demonstrates a clear violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against [ CREDIT MANAGEMENT LP ] for failing to comply with federal laws and disregarding consumer rights. 
This Credit agency added a charge of {$310.00} on my report which I have no idea who they are. 

Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. 

Sincerely, XXXX XXXX