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

XXXX XXXX is reporting to the credit bureaus false information concerning said credit card. XXXX XXXX closed my account and every payment made afterward was said to have been put forth for maintenance of the account. This was the reason for the balance never changing. 
XXXX XXXX Last reported XX/XX/XXXX {$530.00} Reported balance Credit limit {$400.00} You're using 133 % of your account 's limit OVERVIEW Credit limit {$400.00} Minimum monthly payment -- OpenedMay XXXX, XXXX ( 4 yrs, 7 mos ) RemarksProfit and loss write-off Account information disputed by consumer Account closed by credit grantor Account information disputed by consumer
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 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 and 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

XXXX XXXX XXXX a XXXX old account that was payed off and closed in good standard was removed from my credit report XXXX XXXX & XXXX XXXX and have affected my credit score tremendously. These remarks have caused me very offending harm with all credit bureaus on my report, dropping my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I am writing to invoke my FCRA right to opt out. Please see attached letter that was sent to the creditor. 
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Also the Privacy Act of 1974 comes into play here.
Product: Debt collection

I was called on XX/XX/2021 to collect a debt. I asked the woman to send me written verification in the mail. She confirmed my addresses but nothing has been sent. They continue to call me trying to collect. But I have not received validation! I don't remember this debt so it needs to be clarified. At this point I'm pretty sure the debt is time barred in Washington state.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX, I sent Portfolio Recovery Associates a letter for debt validation asking for specific items to verify that the account was mine. Porfolio Recovery responded back on XX/XX/XXXX with a credit card statement and says that it establish validity. The account that they referenced was proven invalid through the dispute process in XX/XX/XXXX and was removed from my credit report. Portfolio Recovery is attempting to extort money from me through mail fraud. Portfolio Recovery did not send me the item I requested to prove validity of the debt that I requested. This account does not belong to me and I am demanding the removal of this invalid debt. This fraudulent account is damaging my reputation with new creditors and preventing me from obtaining credit.
Product: Credit reporting

Experian is reporting inaccurate information on my Credit report and said information does not belong to me. Experian has re-aged the inaccurate information on my credit since 1998 and is in violation of several federal laws. The information does not belong to me.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I have no knowledge of this at all I never went to the hospital. I believe someone used my identity to go to the hospital. Or the hospital got the wrong name
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that my identity has been stolen as a direct result of the Equifax data breach. I discovered multiple fraudulent items on my credit report along with late payments which never caused by me. These items prevent me from obtaining new credit and have created significant challenges for me.I urge your agency to take this matter very seriously and consider the full scope of federal law when addressing this case.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX was remove off my credit file inaccurate information and errors. By law it was reinstalled and I was not aware of this. XXXX XXXX was removed as well account number XXXX XXXX this account was removed for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX  and Transunion on XX/XX/XXXX but that is like my 4th-5th letter that was sent to them about these inquiries on my report.. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted XXXX/Transunion on multiple occasions through phone and letters. The original creditor sent notice to XXXX  about this being removed from my report because I never authorized this. but it still remains on the report. Also, these accounts are unverifiable, invalidated, inaccurate, and 100 % false. If anything is reporting 100 % inaccurately it must be removed. How can you say these inquiries are verified as true and they are fraud but XXXX  sent a letter saying the inquiries were verified. Apparently they are not doing your job the right way. XXXX XXXX XXXX was deleted from my XXXX  Account because of these reasons. This inaccurate and fraud information. Both creditors were contacted and they told me they dont send letters out to consumers, they communicate with the Bureaus to inform them of whats going on. I was told by both creditors that they in fact contacted XXXX to let them know that this was fraud and should be removed. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

In the month of XXXX I made several attempts to contact the company to request an application due to being in financial hardship. It took me weeks to get over to a live person. I had to reach out to their XXXX page and complain in order to have someone respond to me. This company continuously scheduled callbacks without my consent only for the automated callbacks to hang up and never transfer me to a live agent. I received an automatic email confirmation on XX/XX/year> that the company received my application for mortgage assistance ( the application was submitted in the month of XXXX ). I finally received another automated email a month and several weeks later on XX/XX/year> informing me that someone would be reaching out to me to inform me on the steps that were needed going forward. In between this time frame, i repeatedly called this company for assistance and got the run around or experienced excuses and call avoidance. I finally got a hold of a rep and was informed when my forbearance was approved not only would there not be any late fees but it would also be back dated due to the amount of months that it took me to get assistance. My application was submitted in XXXX and was not approved until 3 months later. Not only did this company not back date the forebearance but they were also provided inaccurate and misleading information when i was informed that there would not be any late reportings during the forebearance. 

This company has also issued inaccurate NSF fees on my account, and only removed some of the fees even after being provided proof that the funds were available on the dates that the funds tried to be deducted.
Product: Credit reporting or other personal consumer reports

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Neiman Marcus & was asked if I made a {$600.00} purchase to be sent to an address in XXXX, Texas. & I told them NO I did NOT make that purchase or authorize anyone else to do so ( & that is NOT where I live,, & so approx. onXX/XX/XXXXXXXX has erroneously recorded that XXXX Texas address as mine.Ive requested by mail & by email & a conversation with Neiman Marcus to make the address correction ( I live in XXXX XXXX ). So today I received a notice from XXXX that they updated my address, but only changed an apartment numeral ( which is still NOT MiNE ) I have no property in Texas! Please help!!
Product: Checking or savings account

My name is XXXX XXXX and I am making a complaint so yall can turn off all the alerts on the account so I can stop receiving emails from yall my account email is XXXX and do it to my son XXXX XXXX or XXXX XXXX account as well his email is XXXX and turn all the alerts on his account as well so he dont get no more emails from yall too we are on both accounts together listed as jointly account his ssn is XXXX and my is XXXX XXXX turn off all alerts for account ending in XXXX and do it as well for account ending in XXXX turn all alerts for that account too and card number is XXXX XXXX XXXX XXXX valid thru XX/XX/year> and cvv XXXX and also remove both emails from the account too for me and my son XXXX XXXX or XXXX XXXX XXXX and for me XXXX XXXX XXXX My name is XXXX XXXX XXXX and contact me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian did not do a thorough investigation on my report and these items need to be deleted from credit file. These items are errors that have not been fixed. The following accounts should be deleted. 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

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 reporter agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Pursuant to 18 USC, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b XXXX.company has also No permission to report anything using my info pursuant 15USC 1681 XXXX XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$420.00} XXXX XXXX XXXX  Open date : XX/XX/2022 Amount : {$260.00}
Product: Credit reporting or other personal consumer reports

I don't understand how in my multiple attempts of dispute, nothing has changed. I don't think your company cares enough about your consumers because not only this has negatively impacted me, it has also diminished my opportunities and closed so many doors for me. I wish you could understand how it feels to be this hopeless knowing that these are being reported on my credit without proper verification and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX  XXXX XXXX and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX  XXXX XXXX  on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost and I seek appropriate redress for these violations.
Product: Credit reporting

XXXX XXXX XXXX XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX XXXX was part of a XX/XX/2012 case against XXXX XXXX that found systemic auto loan discrimination. The case XXXX found that XXXX XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant 20 % interest rate. XXXX XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.
Product: Debt collection

XXXX  is stating that I owe credit protection {$370.00}. XXXX and XXXX has confirmed that the collection is not mine and has removed it from my credit score, however XXXX is still holding on to the collection for some reason. Is there anyway this collection can be removed from my credit report? Southern mgt. is stating that I owe them XXXX as well, however XXXX, XXXX, and XXXX  has confirmed that the address associated with the collection does not belong to me, however the collection is still showing up on my credit report can this collection be removed from my credit reports? Please if you can help me in anyway possible it would be greatly appreciated. Thank you so much, I appreciate any help you can provide me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed chapter XXXX bankruptcy and the bankruptcy was closed in XX/XX/2018. Citi Bank had an account on our bankruptcy for Home Depot. Citi Bank had a judgement against us, which was on the bankruptcy filing. We have been trying for approx. 3 weeks to get Citi Bank to send a release on the judgement, as it is holding up our closing on a home. Citi Bank recovery dept.is telling us that they don't need to do anything, since there was no lien. Our mortgage company won't close without the release.
Product: Student loan

I am attempting to log in to their website to retrieve my tax documents for the year XXXX. The website and their XXXX app has been offline since XX/XX/XXXX according to them. I attempted to contact customer service but their phone number is out of service. I am also unable to log in which means I will not be able to pay the loan if the website shutdown continues. I attempted contact through their official XXXX webpage and was informed they are having technical difficulties but had no further information on this matter. I will be unable to submit accurate tax information for the year XXXX due to how they are handling their technical difficulties. According to them, there website and methods of contact have been shut down for 1 week as of XX/XX/XXXX. They are currently not helping or assisting their customers who have no choice but to use them due to how the Department of Education is contracting with them. 

Contact between their XXXX Page representative and myself : XXXX XXXX How long is the scheduled maintenance scheduled for? I can not find any information and need my tax documentation.. Doesn't look like this information has been posted anywhere. 
XXXX XXXX  Hi ******, sorry for the frustration. Our tech team is currently working to have this resolved as soon as possible. Are you able to provide your user name for further trouble shooting? 
XXXX XXXX  My username is ****** XXXX XXXX Great. Thanks so much for this info ****** and we will try to resolve this as quickly as possible. 
Thank you Link to the XXXX Page : https : XXXX Link to XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on XX/XX/XXXX was made by XXXX XXXX without any consent from myself. I believe data that was used from a request that I did approve on XX/XX/XXXX was reused on XX/XX/XXXX to get a new version of the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a credit limit increase on one of my credit cards today XX/XX/20 but I was told that I was nor approved at this time because of an account reflecting negatively on my credit report. I didn't know what account they were referring to so I took a look at my credit report myself and I saw an account from a company called XXXX XXXX XXXX for an amount of {$12000.00}. This account does not belong to me nor did I allow anyone to open this account on my behalf. I am not affiliated to that company in any way and I have never signed any written/verbal contract with them. I have no idea who is responsible for this account but I have already filed a police report. I did not gain anything from this account such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.