23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Received a call from this debt that is more then 20 years old. I have received multiple calls. I did n't get a chance to get more information on the debt before he started throwing out repayment options. I 'm sharing to let people know that they need to voice their rights. Tell them you will be contacting the consumer finance department.
Product: Debt collection

I have received multiple calls, some very late at night, from Trident. I finally called back and they answered " Hello? '' Hardly sounded like a legitimate collections agency. They claimed I had a debt in collections from a bounced check. This check was never written by me, and was supposedly written to XXXX stores in XXXX XXXX, as I was living in XXXX. I explained that this was not my check and it must have been made fraudulently. They claimed it was my responsibility. I called my bank and they have no corresponding check with the check number I got from Trident ( after pushing them ). I also called the bank that they said requested my debt- XXXX XXXX. XXXX had no idea what debt I was referring to and stated I had no debt with them. Trident is collecting false debts that are not validated or actual debts. They did not give me a license number when I requested and instead hung up. They were extremely unprofessional and do not seem to be a real company. They did not verify the debt in my name in any way but knew my social security number It is very concerning. I do not owe anything and do not want this on my credit report, as I have not collected a debt anywhere.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' JEFFERSON CAPITAL SYSTEM is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JEFFERSON CAPITAL SYSTEM the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, JEFFERSON CAPITAL SYSTEM whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JEFFERSON CAPITAL SYSTEM Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I was unemployed fromXX/XX/XXXX throughXX/XX/XXXX. During this time I fell behind with my mortgage. I applied for a modification and was denied based on M & T Bank internal requirements and not FHA guidelines. I was told that I need my mortgage payment to be 40 % of my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my credit report ; XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX )XXXX XXXX XXXX  ( XX/XX/XXXX ). 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. I am submitting this complaint myself and there is no third party involved. I do not agree with the companys response. I, the consumer, natural person, and original creditor, have a credit card, pursuant to 15 U.S. Code 1602 ( l ) and 12 CFR 1026.2 ( a ) ( 15 ) ( i ), that was used without my consent. If I received goods or services, have a senior executive certify under the penalty of perjury I in fact received goods or services as a result of these transactions in regards to FCRA 605B, 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ). Otherwise, I want these accounts deleted. I never told EQUIFAX or anyone to furnish anything on my consumer report. That is a violation according to 15 U.S. Code 1681b ( a ) ( 2 ), FCRA 604 ( a ) ( 2 ) permissible purposes of consumer reports. Furthermore, I am demanding compensation for the damages caused by the other accounts and inquiries. A deletion is admission. EQUIFAX is civilly liable for willful noncompliance according to 15 U.S. Code 1681n ( b ), FCRA 616. I am attaching documentary evidence and an invoice. EQUIFAX have 30 days to mail my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been MONTHS since I received a response or an update from the bureaus. It is my understanding that the bureaus have 30 days to respond to a dispute. Since XXXX I have received absolutely nothing! I've even tried to mail letters certified mail which costed me more money. I have the tracking numbers from XXXX with XXXX  : XXXX, XXXX  : XXXX, and TransUnion : XXXX. I have gotten results before. I've been mailing letters to the same address. The items that are wrong are : **I am demanding proof of these account validations or deleted from my account. 

1. This belongs to someone with a similar name Chapter XXXX  Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. 

XXXX. The creditor has not validated the debt after many attempts to do so. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Creditor has not been identified nor has any contact information been provided for the creditor. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Account status and comments are incorrect XXXX Account Number : XXXX Please identify the Creditor and provide validation of this account. 

6. The creditor has not validated the debt after many attempts to do so. 
XXXX  XXXX  XXXX  Account Number : XXXX Please identify the Creditor and provide validation of this account. 

7. The creditor has not provided validated for this account. 
XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 

8. The creditor has not provided validated for this account. 
XXXX  XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 

9. Account Status and Payment Status are incorrect XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

10. Creditor has not been identified nor has any contact information been provided for the creditor. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Creditor has not been identified nor has any contact information been provided for the creditor. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. This has not been verified. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX Chase Card in XXXX DE has run my credit without permission. I have called Chase Card in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and asked to have these inquiries removed since they were never approved by myself. I called Chase Card back in XX/XX/XXXX, put a hold on my social security number, yet they still continue to run my credit. This needs to stop, they need to remove ALL the inquires from my credit reports, none of these inquiries were initiated by myself. Please remove ALL inquiries from ALL credit reports run by Chase Card. Obviously putting a hold on my social security number has done nothing to stop Chase Card from running my credit every few months.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting an unverifiable account on my credit report. The account is XXXX XXXX XXXX XXXX. I have asked the furnisher XXXX XXXX XXXX XXXX for proof of verification on XX/XX/year>, on XX/XX/year> They received my verification letter and never sent me proof. I have disputed this account with TransUnion XXXX and XXXX ( online and over the phone ) and providing them with proof that this account shouldn't be reporting and by law a creditor is REQUIRED to send the consumer verification when requested. They have failed to send me proof of this alleged account that they said I owe and TransUnion is still reporting this unverifiable account. This company also responded to a CFPB Complaint I had against them and in their response they never said that they have sent me proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been in an ongoing battle to rectify this situation for years. This has caused me to look at my credit report daily in fear of further theft. Despite obtaining fraud alerts placed on all 3 credit files and then freezing all 3 files, as well as, submitting identity theft and police reports my identity is still being compromised. I will break down how by each bureau. 

Experian : I noticed an inquiry from the below entity XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I do not understand how this occurred when I have a fraud alert and was never contacted or gave permission for this inquiry. This is not mine. Also my report is suppose to be frozen. 


XXXX  : I noticed an account that does not have a name but shows the following info Account number XXXX  Collection opened XX/XX/XXXX Balance {$1000.00} Updated on XX/XX/XXXX This account is not mine and is a result of identity theft. 

The following addresses are not mine : XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX The following Employers are not mine XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiry is not mine XXXX XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX  : The following account is not mine and due to identity theft : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} 0 % paid off Account number XXXX Collection opened XX/XX/XXXX The following Inquiries are not mine : XXXX XXXX XXXX  and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX The following address is not mine : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I never did business with the company Convergent outsourcing .I disputed it 2 times and both the company and the XXXX  never provided me with a signed contract with my signature. a collection bill is not a validation and I have a right to be provided with proof or it needs to be removed. In attempts to get it off my credit I paid off the balance. It still reflects I owe. This is also inaccurate reporting.
Product: Credit reporting or other personal consumer reports

this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Checking or savings account

In XX/XX/year>, Bank of America closed my account all of a sudden. And when I called to find out information, as to why it was closed. They could not give me any reason. And I asked when will I get my money in my checking and saving account. The representative did know any answers. This is bad business. I received a letter in the mail Saturday XX/XX/year> saying they couldn't open my account. But the account had been opened for months, and I have been using it.
Product: Credit card

While I deeply appreciate the services and credit extended to me by financial institutions, I find myself perplexed at the inability to secure credit limit increases on my accounts. Notably, all of my accounts are in good standing, with a consistent history of on-time payments. Additionally, I have recently experienced a significant increase in my monthly income, which bolsters my financial stability and capability to manage credit responsibly. Given these positive factors, I am keen to understand the criteria or concerns preventing the approval of credit increases. I believe that a reconsideration based on my improved financial position and impeccable credit management would be both fair and beneficial for both parties.
Product: Debt collection

I received the attached Notice of Unpaid Tolls and Penalties from XXXX XXXX XXXX XXXX XXXX in the mail on XX/XX/XXXX and XX/XX/XXXX. I did not receive an Initial Toll Violation notice from the XXXX XXXX XXXX for XXXX violation. I called the LGBS number onXX/XX/XXXX and  spoke with XXXX. I explained that I had not received an Initial Toll Violation notice from the XXXX XXXX XXXX for this violation. He stated the original toll notice was returned on XX/XX/XXXX and that the address was XXXX XXXX instead of XXXX XXXX. This explanation does not make sense as the US Postal Service delivers mail to my townhome community regardless of the Unit or Apartment designation. I have paid previous XXXX XXXX XXXX violations received at my same address and subsequently opened an account with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ] in accordance with the Fair Credit Reporting act, XXXX  XXXX  Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXX XXXX  XXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report. 

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  account number # XXXX has violated my rights by placing misinformation on my credit report. 

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply. 


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 reporting, credit repair services, or other personal consumer reports

Equifax did not investigate the compliance issue stated in my letters. I was not verifying or validating any accounts. My letters demanded deletions due to your agency reporting accounts that would be result of being authorized or approved from a credit card based on The Congress ' definition of a credit card. Equifax also did not rebut my sworn and notarized affidavit that was mailed and received on XX/XX/2021. Affidavits are to be either rebutted with an affidavit or they are confirmed as judgement, therefore, my demands are to be met on the letter. You are also out of compliance since XXXX met my demands. All consumer reporting agencies are to have the same information if the accounts are the same.
Product: Credit reporting or other personal consumer reports

Account being reported as a charge off and it should not be reporting at all. This is causing me hardship on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account on my report that is not mine. I was a victim of identity theft and made a police report ( approved ). There should be no reason why this is still on there. 

My rights have been violated through the Fair Credit Reporting Act .... 

XXXX # XXXX XXXX5USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A sec 2 states a consumer reporting agency can not furnish an account without my written instructions or consent.

Please honor these laws by simply deleting this fraudulent account ... this does not need to escalate to the court.
Product: Student loan

Every year my private student loan payments increase. I have tried to lower my payments to a more reasonable payment but Navient refuses. I am almost to a point where my loans may default.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I never gave my permission to be added as an authorized user to the XXXX XXXX XXXX Card that is on my report. 
2 ) Equifax and XXXX are reporting that I am 60 days past due on an account that should not be reporting but also has a {$0.00} balance and {$0.00} past due. 
3 ) I have tried to dispute this and have this removed from my report because it is not my card and I am not late on it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX$0.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$87.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the XXXXReport and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX ,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX-XXXX. This 2nd tempt to remove the items and requesting a freeze.
Product: Debt collection

I am filing a complaint due to continuous ( XXXX ) XXXX and HS FINANCIAL GROUP LLC case # : 2019 XXXX XXXX have been calling, harassing, and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809.