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

To Whom It May Concern, XXXX XXXX XXXX online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... ..I already notified XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right toprivacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states aconsumer reporting agency can not furnish a accountwithout my written instructions
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on my XXXX  account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/23, XX/XX/23 ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Product: Debt collection

A company listed as Augusta Collection AGC has reported negative information in the about of {$180.00} on to my credit report. The company never validated the debt. The company never provided an itemized bill statement, even though I requested this information prior to the account being reported on my account. The representatives working in the office are very rude and will constantly over talk you without providing any information. It was so bad I had to ask the lady was she being rude to me because I am XXXX- yeah, that's how bad it way. I wish I would pull the recording! I talked to a lady names XXXX and whoever her manager was- the other lady never gave me her name and told me she " didn't have to do a thing '' as if I am not the consumer trying to get assistance. & It for {$180.00}!! & I am not sure where the debt of {$180.00} is stemming from.- Nobody has the billing statement- nobody can tell me the charges. One lady said - I think it was XXXX " MAM I don't live in XXXX, I can not tell you what the charges are for '' - Why does where she live even matter when I am trying to get assistance to understand debt on my credit report. ABSOLUTE WORST CUSTOMER SERVICE EVER!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 24 inquiries on my credit report that were not authorized by me. Inquiries and dates listed here after that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Once I cancelled my expensive protection for identity thief and or people applying for loans iny name.. Chase Bank Letter for Credit Line XXXX XXXX. The letter stated I should contact XXXX credit. I have never done business and or applied or a credit line with Chase Bank. I feel this was done through XXXX credit because of my cancellation of membership!
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles dispute resolution practices, especially in light of the recent CFPB lawsuit that highlights systemic issues within the platform. Despite multiple reports of discrepancies on my account, both Zelle and my financial institution failed to properly investigate or recover lost funds, citing an inability to track transactions. The CFPBs findings reveal a troubling pattern of negligence, where repeat offenders exploit the platform, leaving users unprotected. This lack of consumer safeguards and transparency is deeply troubling and raises serious questions about the platforms reliability and accountability.
Product: Debt collection

More than 4 collections are showing up on my credit report. I believe this company is a scam, It is NOT XXXX  Accredited and I am being called multiple times a day.

Capio Partners LLC, is unauthorized, NOT bonded or licensed in the State of Florida. When asked to take it off of my credit, they dont respond or hang up, Yet still continue to call me.
Product: Credit card or prepaid card

I tried to buy a XXXX pound XXXX coin for my coin collection. They shut my card off stating I broke the rules by trying to buy money. The denied me access to the web page so I can no longer make payments.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED. 

I DID NOT ASK FOR YOUR NON SENSICAL EXPLANATION- I ASKED FOR PROOF - PLEASE DO NOT SEND ME XXXX  ABOUT A DIATRIBE THAT IS NOT A SWORN AFFIDAVIT UNDER PENALTY OF PERJURY. I AM NOT INTERESTED OF YOUR NON SENSE STATEMENTS UNLESS YOU ARE PREPARED TO BE SUED. YOU HAVE NEVER PROVIDED ANY PROOOOOF. YOU ARE SIMPLY DIVERTING BLAME TO SOMEBODY ELSE INSTEAD OF PROVIDING THE ONE AND ONLY THING THAT SHOULD SUPPORT YOUR CLAIMS. YOU DO NOT HAVE A CONTRACT WITH ME. CFPB STOP CLOSING THE CASE WHEN YOU KNOW VERY WELL THEY HAVE NEVER PROVIDED ANY PROOF UNLESS YOU WANT TO BE INCLUDED IN THE LAWSUIT.
Product: Debt collection

XXXX XXXX XXXX is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. 

I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with XXXX XXXX XXXX. They are 100 % a debt collection agency. 

They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 

100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. 

If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. 

I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. 

They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. 

They will only accept debt collection cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a FTC identity complaint on XX/XX/2020. I submitted the report to EQUIFAX and submitted a cfpb complaint and there are still inquiries that remain that we listed on the report. EQUIFAX has failed to live up to their grave responsibility for accurate reporting. These inquiries are preventing me from renting an apartment for me and my son. My landlord is selling the unit and I need a new place to live. I have also applied for credit and been declined because of the inquiries. EQUIFAX failure to ensure of accurate reporting is causing financial and mental harm. I am stressing out and have been diagnosed with XXXX because I can not provide for my family because EQUIFAX failure at their grave responsibility pursuant to 15 USC 1681a ( 4 ). EQUIFAX are supposed to have procedures in place and have failed. Pursuant to 15 USC 1681C-2, EQUIFAX has the ability to block attempts to remove identity theft information is the consumer benefited. If EQUIFAX is saying that I benefited then please provide a sign affidavit under penalty of perjury for the CEO stating that they have proof that I benefited from the inquiries. Also, pursuant to 15 usc 1681b ( c ) ( 3 ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have submitted proper paperwork stating that I don't recognize the listed inquiries and EQUIFAX Is violation of 15 usc 1681b ( c ) ( 3 ). I am not a credit report company, I am the consumer XXXX XXXX. I am an XXXX XXXX XXXX and these corporations are continually breaking the law and financially, mentally an emotionally harm the consumer. The CFPB is in place to regulate these consumer reporting agency and I have put in complaints and still no full results. This is not a dispute. I am demanding these inquires are removed. These corporation are unlawfully furnishing data to the consumer 's report and creating great harm to the consumer. By being an agent of the CFPB, I need the CFPB to do their job and regulate and enforce the laws that EQUIFAX is breaking against me. It is important that the people at CFPB take this seriously and assist me the consumer with invoking my rights. This is a matter of life and death for me. I am being mentally, emotionally, and financially harmed by EQUIFAX. I the consumer invokes my rights the law does not state a police report is needed because there are different types of identity theft. WHen a debt collector purchases a debt, they did not have permission to do so and that is identity theft. Identity theft mean no consent. This not a dispute, this is not a bot, or a credit repair company. I am an agent of the cfpb and I need the CFPB to assist me to invoke my rights. EQUIFAX HAS FAILED ME AS A CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all 3 credit reporting agencies written disputes regarding XXXX XXXX  account # XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. This account was closed and charged off and reporting a balance of {$2000.00}. Despite the debt being sold to a law firm, XXXX has continued to report a balance on my credit report. This reporting is misleading and inaccurate, as the debt no longer belongs to XXXX, and they have no legal right to collect on it or report its status. The credit reporting agencies or XXXXXXXX XXXX have not sent any proof that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account XXXX  XXXX  # XXXX**** does not belond to me and these following in quires are also not mine XXXX XX/XX/XXXX XX/XX/XXXX Credit inquire XXXX XXXX XXXX XXXX XXXX , CO XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XX/XX/XXXX Credit inquire XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Credit inquire XXXX XXXX XXXX  XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Credit inquire XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Credit inquire XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX Credit inquire XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX/XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX   XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance , personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX my information was stolen from XXXX  and transunion as well and I want these items removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 's 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Accoun t # XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) untitled collection or charge off- Account # XXXX 5 ) XXXX - Account XXXX XXXX 6 ) XXXX XXXX XXXXXXXX XXXX Accoun t # XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX 10 ) XXXX XXXX - Account # XXXX Has violated my rights. 

I've sent letters out on XXXX and XX/XX/2023. I received no response or any verified letters. 

15 U.S.C 1681 section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.
Product: Debt collection

I have a court document that I'm not responsible for and the company refuses to remove the collection from my credit report. I've uploaded the certified court document, and they still refuse. XXXX simply refuses to remove the collection despite the certified court document.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion 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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5200.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is violating my rights under the Fair Credit Reporting Act, Section 609 They are reporting unrecognized hard inquiries and incorrect account balance information.
Product: Mortgage

I have had my mortgage with Caliber Home Loans since we bought our house in 2015. I was in the process of an FHA XXXX loan modification with a partial claim trial payment plan offer when XXXX XXXX hit. I had paid the first modified payment, and the second one is not due until XX/XX/XXXX. 
I called XXXX and told them what happened in the storm. They gave me the information I needed to contact the insurance company and apologized for our loss. 
Today, XXXX XXXX, I got a letter saying that they transferred the servicing of our mortgage to XXXX Mortgage XXXX, a notoriously terrible company. This happened not even two weeks after I told them our house was damaged. 
I don't want to do business with XXXX, flat out. Do I have any recourse at this time, considering we are in a disaster area and are already in a terrible position? Are they allowed to do this even though I followed their instructions on the FHA XXXX loan modification and made my payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. Date opened XXXX XXXX, XXXX XXXX XXXX XXXX  Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX MN CHILD SUPPORT ENF. Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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 and they violated my rights numerous times. I demand the accounts listed below to all me 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. 

Account : XXXX XXXX XXXX Inquiry date : XX/XX/2022 Account : XXXXXXXX XXXX Inquiry date : XX/XX/2022 Account : XXXX XXXX Inquiry Date : XX/XX/2022 Account : XXXXXXXX XXXX  Inquiry date : XX/XX/2022 Account : XXXXXXXX XXXXXXXX  Inquiry Date : XX/XX/2022