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

In according with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C. 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 identity theft ) Has Violated my rights. 
*15 U.S.C . 1681 Section 602 A. : States I have the rights 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. Any other item of information other than records of convictions of crimes which antedates the report by more than seven years.

*15 U.S.C . 1681 ( s ) 2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any credit reporting agency, if the person knows the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - {$0.00} Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX Employers : XXXX Employers : XXXX XXXX
Product: Debt collection

I had a debt with XXXX XXXX of XXXX. It was a payday loan unsecured for XXXX. This debt was applied for XX/XX/XXXX. I defaulted due to having to move out of state as i could not afford to live in XXXX. I moved in XX/XX/XXXX to XXXXXXXX. I struggled to find a place to live with my family of XXXX and to find gainful employment. The debt was sent to collections after 6 months of non payment. Due to XXXXXXXX XXXX statute of limitations the debt is no longer valid. This company National Credit Adjusters has called me everyday for the past 3 yeasr from various phone numbers and threatened legal action and to send the police to my place of residence if i dont give them a payment. Account # XXXX. They are also falsely reporting that the account was opened XX/XX/XXXX when it was originally opened XX/XX/XXXX. 
XX/XX/XXXX Call from XXXX threatened to sue me and told me police were on their way. 
XXXXCall from XXXX threatened to sue me and told me police were on their way. 
XX/XX/XXXX Call from XXXX called and said a case was opened against my social security number and i would be arrested. 
XX/XX/XXXX Call from XXXX called and threatened to reveal information to my employer XX/XX/XXXX Call from XXXX called and threatened legal action against me and told me police were on the way. 
Everyday i receive emails and phone calls from this agency threatening me and falsely reporting this information to the 3 credit bureaus. The company National Credit Adjusters have damaged my ability to apply for new credit. 

I have also sent certified letters every 45 days to all 3 credit bureaus asking them to verify this debt. I have never received any documentation from any of the credit bureaus nor national credit adjusters regarding this debt in writing. They have violated my rights under the Fair Credit Reporting Act. 
Letters sent certified from XXXX to XXXX, XXXX, and XXXX  on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Certified Mail XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023, XX/XX/2023 15 US Code 1681 ( a ) ( 2 ) ( i ), 15 US Code 1666 b ( a ), 15 US Code 1681 e ( b ), The credit bureau are breaking the law and violating my rights.
Product: Credit reporting or other personal consumer reports

There are some unauthorized Inquiries and one fraudulent account on my TransUnion Credit File, which I am disputing and requesting that these fraudulent and unauthorized items are deleted from my credit report, based on the following letters from the various creditors which stated that they would delete these unauthorized inquiries and account from the credit report. Please remove immediately, Per 15 USC 1681b ( c ), HJR 192 of 1933, and 18 U.S.C. 1028A. Violation of these statues will result in litigation seeking {$1000.00} per occurrence. The XXXX Fraudulent Account is : XXXX XXXX XXXX UNKNOWN- Date Opened : XX/XX/XXXX. The following inquiries are unauthorized : XXXX XXXX COMPANY- Inquiry Date : XX/XX/XXXXXXXX XXXX- Inquiry Date : XX/XX/XXXX.
Product: Credit card or prepaid card

I was charged XXXX  on a car rental in XXXX. I am an American citizen, visiting as a tourist. I am exempt from XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

The reason for my complaint against Kovo Credit is due to their negligent customer service, which has resulted in the reporting of late payments on my credit report and has ultimately affected my ability to qualify for new lines of credit. I needed to update my billing information on file and attempted to log into my online account without success. Despite requesting password reset instructions multiple times, I never received an email with the instructions. 

I reached out to Kovo via email on XX/XX/XXXX, requesting assistance and did not receive a response until XX/XX/XXXX, six days later, informing me to contact them directly. However, whenever I attempted to reach out, I could never get a hold of anyone. The lack of timely communication from Kovo caused my payments to be processed late, as I was unable to access my online account and did not receive any assistance from their customer service team for account access. 

As a result, I am now suffering from multiple late payments on my credit report, which has damaged my credit score and hindered my ability to qualify for credit. This situation is extremely frustrating and unacceptable.
Product: Debt collection

This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they added a collection to my credit report. This agency is also infringing on my consumer rights by using misleading, false and deceptive tactics. Ive already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitiled to {$1000.00}. They just either compensate me or remove this this fraudulent account immediately.
Product: Debt collection

it was not me i had id fraund and three credit card was open in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

i have now ask these companys to remove the accounts now 7 times they have not provided any proof that these accounts belong to me and i have let them know that my information was stolen and use to open accounts without my consent.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my file that I do not recognize.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { 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 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 I HAVE THIS OPEN CREDIT CARD } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX XXXX Equifax Information Services XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX
Product: Debt collection

ars national services inc attempting to collect on exempt funds they must stop at once
Product: Credit card

I purchased a XXXX XXXX XXXX XXXX from XXXX on an Apple Card from Goldman Sachs. The phone was charged on the card for a flat fee of XXXX. The loan was then converted to monthly installments with no interest for XXXX months. The phone was paid for in installments payments and later recharged again. They refunded the amount and came back and charged it again. Its been going on for almost XXXX years now. I cant afford to ruin my credit as I am trying to purchase a new home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to add these inaccurate inquiries and accounts to my consumer report. Ive continuously tried to fix this issue with them and they refuse to fix the problem for me. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX and XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK it from my personal credit file. Thank you.JEFFCAPSYS XXXX Date Opened : XX/XX/2020 XXXX XXXX : {$3000.00}
Product: Debt collection

This Account is Not mine, They stolen my identity Fraudulent Account I demand be eliminated. 
The Account Name is American Leading the account number is XXXX
Product: Money transfer, virtual currency, or money service

I refinanced my home mortgage with XXXX XXXX. 
Initially, they themselves serviced my loan. 
I was notified on XX/XX/XXXX that XXXX XXXX  was transferring loan servicing to Chase Bank. 
XXXX XXXX transferred information about my loan to Chase Bank. 
I was given a new loan number by Chase Bank and was able to log into my newly set-up account at their bank. 
However, when I went to set up payments by fund transfer from my personal account at XXXX XXXX XXXX XXXX, Chase Bank requires that I enter my personal log-in ID and my personal password for access to my XXXX XXXX XXXX XXXX account into a third-party subcontractors website " for verification purposes ''. 
They do not state who this third party is. 
They also then require me to acknowledge that both Chase Bank and this un-named third party have full indemnity for any possible misuse of this access to my personal checking account. 
As you can imagine, this is leaving the barn door open for fraud. 
Trying to contact Chase Bank is impossible. Tremendous phone trees, agents who don't speak my language clearly, extremely poor phone connection quality, repeated hang-ups or cut-offs. I spent 90 minutes on this and gave up. 
My local Chase Bank refuses to do anything for me. 

This is an egregious behavior on the part of Chase Bank and needs to be stopped.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account name- XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Account name : XXXX Dept of Social Services Date : XX/XX/XXXX XXXX Account name : State of XXXX/Office Child Support Date : XX/XX/XXXX, Account name : XXXX XXXX DateXXXX, Account name : XXXX & XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX & XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  Date XXXX XX/XX/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 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I'm on XXXX I took out a loan on my car or title loan and I was playing it faithfully did my XXXX went down I pay XXXX XXXX all with my same check so I talked to the people at them know that someone vandalized my car and the trailers that I stayed in so I was trying to get it fixed in the process of also paying loan which I didn't get to pay because my car was going to lies and I couldn't get anywhere to do anything and I let them know that and they still repossessed my car now my information is out there somewhere they told the car and sold the car
Product: Mortgage

On XX/XX/XXXX, my wife and I applied to refinance our existing mortgage with PenFed Credit Union and received an initial loan estimate. Section C of the loan estimate listed the following fees as fees that we can shop for : Title Service, Settlement Fee and Overnight Fee. My wife and I promptly informed PenFed on XX/XX/XXXX that we would like to shop for all 3 services and informed PenFed of who would be satisfying the services. On XX/XX/XXXX, my wife and I received another loan estimate from PenFed and those fees noted above were all listed under section C, still. On XX/XX/XXXX, PenFed sent my wife and I an initial closing disclosure where the Title Service fee was listed in section C but the Settlement Fee and Overnight Fee was migrated to Section B, the section where fees are listed that we can not shop for. My wife and I promptly contacted PenFed and we were told that we can use our own settlement attorney or an additional fee but my wife and I would still need to pay the settlement fee for PenFed 's attorney. My wife and I contested this decision since this was not what we were informed of and contradictory to all communications throughout XXXX and XXXX with various representatives at PenFed. Moreover, the Overnight Fee was not a fee to be collected by my wife and my attorney. XX/XX/XXXX my wife and I receive an updated final closing disclosure that includes a lender credit to cover the XXXX XXXX for PenFed 's attorney but there is no lender credit for the Overnight Fee ( {$90.00} ). Additionally, there's a new fee ( {$60.00} ) to cover the cost to satisfy an old lien that PenFed left outstanding on my wife and my home. My wife and I promptly contacted PenFed and we were informed via verbal communication and email that we should close the loan and that the concessions for the {$90.00} and {$60.00} have been submitted and that following the closing, my wife and I would receive a refund for those fees. My wife and I closed on the refinance of our home on XX/XX/XXXX. XX/XX/XXXX, my wife and I contacted PenFed to inquire about the refund of those fees and we were told that the {$60.00} wouldn't be credited because this was a fee that they believe they shouldn't cover and the {$90.00} overnight fee will not be refunded since the fee was migrated from section C to section B and my wife and I closed on the loan knowing these fees were chargeable. Albeit small fees, it is wrong that PenFed deceptively listed the fees as those we can shop for then conveniently slides the fees to the section of fees that can not be shopped for. We believe this was intentional and that it's important for other consumers to be aware of these financial practices and lack of transparency from PenFed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  account has all 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
Product: Credit card or prepaid card

Barclays is asserting a XXXX XXXX XXXXXXXX ( the " Card '' ) was opened by me, and I am required to pay the outstanding charges. The Card was opened fraudulently ( i.e., not by me ) and the items purchased using the Card were not sent to my home. This point was verified with the business where the purchases were made via the internet ( i.e., Banana RepublicXXXX XXXX via their Research Department ) and was conveyed by me and Banana Republic to a Barclays representative via a conference call. The Card was opened XXXX and Barclays emailed me on XXXX re what it believed was fraudulent activity on the account. I called Barclays that same day to confirm the Card was fraudulent, and the purchases were fraudulent as well. I have been discussing this matter with Barclays for approximately eight ( 8 ) weeks. Barclays conducted their investigation and concluded that the account is mine and I am responsible for the charges. This is despite the facts as stated above. I would note that more than one Barclays representative asserted that the purchases made were indeed delivered to my home, whereas it has been confirmed with XXXX XXXX that the purchases were not delivered to my home but were instead sent to multiple unrelated addresses. I strongly believe that Barclays did not conduct adequate due diligence and I believe this is a bad-actor pattern by Barclays to strongarm/stonewall/impede consumers who have suffered this type of fraudulent activity from resolving these matters efficiently and accurately. I strongly and firmly believe Barclays lack of truthfulness, unwillingness to work with me, and throwing up roadblocks throughout this process is simply Barclays trying to wear-down consumers and recoup losses from consumers who have been victimized in order to mitigate Barclays losses .
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2400.00} Reason : I have never entered into a contract with this debt collector regarding any debt. Please provide evidence from the original creditor showing that this debt collector owns the debt and has the legal right to collect it, or please delete this account. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Closed Date : Inaccurate INQUIRIES 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.