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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX 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 XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX 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, 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: Credit card or prepaid card

Comenity bank is reducing credit limits arbitrarily thereby making my credit card usage appear higher, which damages my credit score and increases my interest rates. This means that it costs me more money to borrow money for a new house, car, etc. 

I have contacted them to ask why my limit was reduced or my account closed on my Victorias Secret, XXXX XXXX   XXXX XXXX and a few more and they told me their computer generated model got information from the credit bureaus that assisted them in making this unilateral decision. So I guess adding to peoples financial problems during a pandemic is what they call good business practices. 

The unwarranted actions of this company has caused me actual monetary damage and that is the basis of this complaint.
Product: Credit reporting or other personal consumer reports

When I updated my BOA account in XXXX of XXXX I put a secondary email address in for alerts because I no longer had access to the primary. On XX/XX/XXXX I made a charge that made my balance {$15.00} after using up a credit from a past overpayment due to the autopay processing even thought there was a XXXX balance. I forgot that autopay had been turned off because it kept processing for some reason so the payment of {$15.00} to bring my balance back to zero was not made. VERY unfortunately the secondary email that is setup for alerts NEVER got any emails saying a payment was due and is STILL not getting and alert emails. I am not disputing that I missed a payment, I am asking BOA to do a onetime update to erase the past due balance from XXXX of XXXX because I never got my alert email to the email that I have setup for alerts. This payment would not have been missed if I had gotten my alert. I have a car loan and XXXX credit cards with BOA and I have NEVER missed a payment and I certainly would NOT miss a {$15.00} payment if I had gotten this alert. BOA should do XXXX things here. They should fix my single past due mark and then fix their alert system to that any email that is entered for alerts actually gets the alerts. That is all I am asking. My XXXXredit score dropped over 100 points because I missed the payment because their alert system is not working properly. I have called XXXX or XXXX times and gone around in circles with them on this and I think they need to do the right thing here. You can see in the images below that I have the alerts set to go to XXXX different emails and then in the next pic you can see they are STILL only sending the alerts to the primary email even though I have BOTH emails checked. I would NEVER have missed this payment if their alert system was/is working correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection was placed on my account by a company who has not provided me with a verified debt, original documentation or even provided me with notice that they own the debt. The first I have heard of this company was on my credit report. The company did not provide me with a notification and adequate 14 day response time.
Product: Debt collection

RE : Illegal Credit Practice Complaint Name of XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX Case Number : # XXXX Tell # XXXX To Whom It May Concern : The original contract of the amount of finance with XXXX XXXX was {$3300.00}, with a down payment of {$500.00}, cash, and {$1000.00} with a check and a TOTAL OF XXXX. Please see attached. 

Payments were made with XXXX XXXX 's personal checks from XXXX XXXX personal checking account. The remaining balance should be {$3300.00}, with 42 months of free Financing to pay without interest, because its against my religious obligations. They agreed with me and my monthly payment was {$80.00} per month for 42months, I paid 2 years, and then the county get a recession, and XXXX XXXX and XXXX break up the contract agreement, I still was paying until XXXX asks me to pay back all the interest for the last two years, which I refused to do so, I contacted XXXX XXXX XXXX and their documentation does not go back 10 years to provide canceled checks. See attached letter from XXXX XXXX. 

XXXX and XXXX XXXX are no longer one company and XXXX has debt collection garnishing funds at the full price of the original purchase contract from the co-signer XXXX XXXX. 

Last year they garnished approximately {$4000.00} from XXXX XXXX, and we had to go to court and overturn the action this has now happened again recently, and again, they took XXXX, out of his account, and they are going after his job to collect his wage but he doesnt have a job now. 

How can we correct this error and stop this from happening repeatedly? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am inquiring about my account with the name of XXXX XXXX XXXX. The account number is unknown. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2018 ( 6 years ago ). It appears this debt was re-aged, and needs to be deleted immediately. My rights dictate my ability to obtain this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported fake accounts around XX/XX/XXXX. XXXX placed a hard inquiry on my credit report indicating that I opened a new account. I never opened an account with this company. I mailed a validation letter around XX/XX/XXXX. 

This investigation has taken more than 30 days. XXXX requested me to validate the fake accounts according to my last complaint with CFPB. I have no account or file number to reference because the accounts do not exist. Remove the fake account from all reporting credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX, 11 XXXX, 11 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, N/A, XXXX XXXX XXXX XXXX, XXXX  XXXX, Company Inquiries XXXX CREDIT/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 F
Product: Credit card or prepaid card

In XXXX, 2020 I requested for a replacement card. At the time I failed to obtain the names of the representatives. Netspend informed me that I would receive my card within 7 to 10 business days. The time frame came and went. On XX/XX/2020, I spoke with netspend XXXX regarding not receiving my card and it had been 2 months and that I was unable to access my account as well. XXXX promised that I would receive my card again within 7 to 10 business days and that I would receive my card on XX/XX/2020 to my new address that I provided to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ) and that waived the maintenance fee of XXXX due to Netspends error. On XX/XX/2020 I spoke to XXXX who displayed unprofessionalism and asked XXXX to check the status of my card. XXXX stated my card was not mailed out until the XXXX of XXXX and not on XX/XX/XXXX. I asked XXXX to assist me logging in and he informed me that he would send out a temporary password, however, Netspend system continued to ask for a card number and cvv code.
Product: Debt collection

A company illegally shared my medical information with a third party ( debt collector ) without my consent. They illegally have done it already and I had it removed from my credit report. The first time they did it, they used XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX, and destroyed my credit report/ and score. 

Now they used STATE COLLECTION SERVICE, account number on one of the credit bureaus XXXX. Both time they are asking for a different amount of money. Highly illegal, strike three. 
They are trying to intimidate me with phone calls and using " Collection Department / Agency / Attorney " on my credit report. Their Contact information is listed below. 

I am in the process of rebuilding my credit and they illegally flagged my account and dropped my credit score 32 points. That's very unfair and highly illegal. I have written letters to the debt collection agency, The Company that hired them ( XXXX XXXX ) to perform an illegal act, and the three major credit bureaus, asking them for collection validation, HIPPA Violation Warning, and disputing their claims ; to which I have received no response. 

Can you help a struggling single father in a time of extreme crisis? 

Thanks for your time. 

STATE COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX, WIXXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrong, missing fraud etc. information on my credit reports. I have disputed this for 3 plus years, I again contacted each bureau and tried to resolve. they have violated my rights under 15 USC 1681. they have caused me harm, jobs, loss of credit, mortgages and loans etc. 
I have repeatedly tried to get the information removed and they just turn it over to someone else for me to contact. 
I did not give then permission to use or sell my information. 
i did not give them permission to use this negative credit against me. 
I have shown them this was not me my name is XXXX not XXXX. they still will not remove these 5 accounts from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, remediation and research associate within the XXXX XXXX has failed to conduct an investigation to complaint. IN fact his response states he " reviewed the documentation submitted and the decision of XXXX remains unchanged. '' Now, what wa sincluded in the documentation submitted was a copy of the MPN ( p. XXXX and p. XXXX ) clearly stating that I am not required to make payments durig periods of forbearances and deferments. The XXXX XXXX response that XXXX XXXX references clearly acknowledges the periods of deferment and forbearance spanning from XX/XX/XXXX thru XX/XX/XXXX. 

Here is what XXXX has now done in-total : Breach of contractural agreement and violation of my right of notice 1 ) Not required to make payments during deferments AND/OR forbearances ( see p. XXXX ) 2 ) Statements were to be sent during periods of forbearance and deferment ( a ) XXXX XXXX. they did not provide billing statements for XX/XX/XXXX nor XX/XX/XXXX because the account ( s ) were specifically deferred ( see p. XXXX ) ( b ) Per XXXX XXXX was to provide statements when payments were deferred ( see p. XXXX ) ( c ) Screenshot of XXXX XXXX corroborates statement given referenced in 2 ( a ) clearly indicating statements were NOT generated for XX/XX/XXXX, XX/XX/XXXX ( see p. XXXX ) ( d ) Screenshot also indicates next statement generated was on XXXX XX/XX/XXXX with due-date inside of XXXX  days ack. as minimum in XXXX XX/XX/XXXX letter AUTHORED BY XXXX XXXX on XXXX XXXX Therefore, the history as reported by XXXX on XXXX and XXXX for periods ranging from XX/XX/XXXX thru present are invalid/unverifiable ; XXXX XXXX is fully aware of these issues as he has allegedly reviewed the documenation I've provided to-date. That is, XXXX XXXX is knowingly and willfully providing false statements to the CFPB to protect XXXX from any consequences of enforcement action that may arise out of the issues I have and continue to present to the CFPB. 

It is not without noting that a XXXX responded to my complaint to that office regarding the matter plainly stating The XXXX is not allowed to get involved in the investigations of other government agencies. It is quite possible therefore that XXXX XXXX is intenionally being vague in his responses to the CFPB knowing full-well that XXXX is under investigation. It would be far easier for XXXX to do the correct thing, rather than the interim thing of XXXX. 

At the end of the day, XXXX will continue to supply this erroneous info to the XXXX, and provide false statements to the CFPB even when the documentation clearly refutes the assertions of XXXX. 

So, I will ask XXXX XXXX in this forum : since one of the loan groups has been charged off and allegedly sent to an outside collection agency ( according to the XXXX  ), please provide me with the contact information, to include address, phone number, fax number, registered agent, and a copy of the credential that shows the colection agency handlig the CO accont is licensed to business in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX American Express American Express XXXX
Product: Debt collection

I asked the Collector to send me a Validation Letter ( My Right ) and they refused to do so used prophane Language and threats
Product: Checking or savings account

I had fraud activity on my account XX/XX/year>XXXX  there is 6 transactions each for {$400.00} all within 1min of each other totaling {$2400.00} Citibank froze my account and contacted me while I was sleeping and I verified that this was fraud they opened a case to restore my funds but did not restore my funds
Product: Credit reporting or other personal consumer reports

I applied for a mortgage with my current credit union to buy a second property. My credit union pulled my credit with Experian to verify my qualifications as a borrower. 
Without my consent, Experian has sent my personal information, including my phone number, to hundreds of mortgage brokers or other people selling mortgage services who immediately started harrassing me. My application with my credit union posted at approx XXXX on XX/XX/XXXX. I received my first calls at XXXX and have received 36 phone calls, and multiple text messages. More than 30 of those have come from XXXX XXXX on XX/XX/XXXX. I did not consent to my information being shared or having these people call me. I haven no interest in shopping this loan product. The people calling are rude and aggressive. Many have said things that are blatantly not true, like my current bank is intentionally going to charge me more money, my current bank is only out to take advantage of, I'm required to shop to multiple lenders to get my loan, etc. I have been yelled at and told I don't know what's happening with my financial process or how to ensure I don't overpay, that the only way I can be sure I'm getting a good deal is to work with any one of these callers. None of this is true, I know this for a fact because I'm a XXXX who deals with this type of transaction all the time. This is harassment and I don't deserve to be treated like this, just for applying for a loan. The fact that my personal data could be shared this broadly, without my consent, is appalling and can not possibly be legal. I do not need dozens of people harrassing me about a mortgage decision I've made with my current banker. I should have been informed that my data would be sold in this manner and had the opportunity to opt out FIRST, not be told I could opt out after the data has been sold. I've had to add my phone number to the national do not call list, and opt out of all pre-screening permanently but this does not stop the current set of phone calls. In this day and age I should have the option as to whether my data is sold and give explicit consent, rather than be told after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX violated my rights. Account opened XX/XX/2018 for {$270.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$6900.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. I have attached a copy of the settlement letter dated XX/XX/2020. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  Account number XXXX XXXX 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 an account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY AND SOCIAL SECURITY NUMBER WAS USED THE PERSON OPEN SEVERAL CREDIT CARD ACCOUNTS USING MY PERSON INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

According credit reporting act this creditor has violated my rights under 15 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states consumer reporting agency can not furnish account without instructions Under 15 USC 1666B may not treat a late payment on a credit card account under an open and consumer credit for any purpose.