23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ADS COMMENITY has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX  I had severe health problems which led to me being forced to be under medically XXXX XXXX. Luckily for me the health issues I was able to overcome, after staying in the hospital for over XXXX weeks I was then transferred to a XXXX XXXX  for another XXXX weeks. Once I was XXXX to go home I started slowly to get back into normal daily cycle that when I realized while I was in the hospital under XXXX XXXX  my mortgage payment didn't go through since my bank account was jeopardized. Again if I dint have the health issues and if I was home I would have known as soon as it happened and I would have fixed it at my earliest since I take m credit very seriously. I know this loan is already transferred and my loan with XXXX XXXX XXXX has been closed.
Product: Debt collection

Hi In accordance with the fair credit reporting act. The agency of collection below has violated my federally protected consumer right to privacy and confidentially under 15 U.S.C 1681 section 602, 15 U.S.C. 1681s-2 ( A ) ( 1 ), MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX Account # : XXXX I havent received no validation letter of this debt, and this debt is reflecting as a charge off account in my credit report and i havent received my 1099C either. 
So this information is inaccurate and i want to remove this collection and derogatory mark out of my credit report as soon as posible. 

Thank you so much.
Product: Debt collection

So on XX/XX/XXXX a collection of the amount of {$5200.00} was placed for collection on my credit report. It was a rental/leasing the last payment that was made was XX/XX/XXXX meaning who ever took this account out was living there in XXXX under my name, in XXXX I was about XXXX how can a XXXX XXXX XXXX live in a apartment IN THEIR NAME. Ive tried to dispute this off my credit it has been deleted off of 2 of my burials just not XXXX. Im born XX/XX/XXXX meaning this is identity theft I wasnt XXXX at the time of XXXX XXXX XXXX XXXX being opened in my name. XX/XX/XXXX I turned XXXX, Im now XXXX trying to get my own apartment and this is stopping me from doing so. Its not fair because it was not me and Im a victim of someone stealing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX EQUIFAX INQUIRIES : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXXXXXX XXXX  XXXX EMPLOYER : XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All  XXXX  credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX   XXXX  of North America for a   XXXX     XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.
Product: Consumer Loan

Prestige sound like another vehicle was purchased under my name.Without my permission or consent.Do n't have a clue of who would forge my name like this so many times.
Product: Debt collection

We were misled by XXXX XXXX XXXX XXXX in that we came to an agreement on balance owed to XXXX XXXX XXXX. We paid as agreed with XXXX balance. Now XXXX shows a balance of {$3400.00} We feel that this wrong, had we have known we would have settled differently.
Product: Debt collection

On XX/XX/2020 I gifted a Vehicle that was not running to my Sister. At the time I made a Bill Of Sale and transferred the title to her. Some time around XX/XX/2020 she parked said vehicle in a tow away zone and it was towed by XXXX  XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX. I supplied a copy of that Bill of Sale to XXXX  XXXX with the Signatures of 4 Witnesses and Multiple Businesses owners also saw said transaction take  place. XXXX XXXX Deliberated engages in Deceptive Business practices by sending the bill to Alpine Collections  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX Because they new my Sister XXXX XXXX XXXX was homeless living in the Vehicle and I have a full time job.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong names on my credit report. 
Delete the names as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The social security number is not mine. 

There is lot of adreses are inaccurate.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX and I am sending this letter on my behalf. I checked my credit report recently find out multiple billing errors under 15 U.S. Code 1666 ( b ) billing error and its stressing me out. 

This is how you exactly violated the law : ( XXXX ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As I know,. the creditor did not notify me XXXX days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly stated that it is a billing error. 
Below are the items that should be updated to be paid as agreed on my consumer credit report or else I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 or other personal consumer reports

This is my several endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I went to deposit my cash which was {$1100.00} to chase bank atm in XXXX XXXX, IL and the atm took my cash printed a receipt showing to call XXXX number which I did and I filed a claim which was on Friday XXXX and on Monday XXXX they denied my claim because they did not find any evidence of error in the atm machine!! I was furious and frustrated because I waited for 10 min after i deposited my money and after I left the atm their was another car behind me she couldnt use the atm either so she left right away and after I went to the bank teller that same day and she advised me to call the number on the receipt and its XXXX and I still dont have an answer on where my money is!!! I want an answer where is my money? This will be the last time I will use chase and I been a loyal customer for 12 years and this is the first time ever I had an issue like this happen to me I always use their atm machines and never had a issue and the most frustrating part is they have cameras the biggest proof!!! Just pull the video images and they will see
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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX CASH XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account XXXX XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Debt collection

Subject : Continued Harassment and Non-Compliance with Debt Validation Request Details of the Complaint : I filed a previous CFPB complaint against [ Collection Agency Name ], requesting that they validate the alleged debt before contacting me further. 

In their response to the initial complaint, they claimed to still be working on my request for debt validation. However, they continue to send text messages, including messages before XXXX XXXX, despite my explicit request to cease all communication until proper validation is provided. 

This conduct violates FDCPA, which prohibits contacting consumers at unusual times ( before XXXX XXXX  or after XXXX XXXX  in their time zone ) and mandates debt validation before further collection activity ( 15 U.S.C. 1692g ).

Additionally, their continued communication disregards my cease-and-desist request, violating 15 U.S.C. 1692c ( c ).

Potential FCRA Violation : If this unvalidated debt has been reported to credit bureaus, the collection agency is in violation of FCRA guidelines that require accurate and complete reporting. FCRA prohibits furnishing inaccurate or unverifiable information to credit bureaus ( 15 U.S.C. 1681s-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are all in violation of the FCRA. Every negative item on my credit reports is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the matter regarding the negligence claims, as outlined under Section 16810, that I believe have directly affected me and my credit report score.
Product: Debt collection

This company did not reach out to me in anyway via mail, email or phone to verify this debt or allow me or dispute it. In fact, they have not reached out it me at all. However, They added a collection account on to my credit reports, without following any of the legal requirements and procedures they were supposed too.
Product: Debt collection

I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. I want to make it explicitly clear that I am a victim of identity theft, a fact that should prompt immediate and decisive action on your part. Under FCRA Section 605b, you are mandated to remove/block any account listed on an identity theft report. Attached, please find the required documents essential for facilitating the blocking of the inaccuracies that have found their way onto my report. The following accounts, which neither belong to me nor were opened with my explicit permission, demand your immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Section 605B ( a ) stipulates that Experian shall block any information in the file of a consumer identified as resulting from alleged identity theft, not later than 4 business days after the date of receipt. I expect compliance with this legal obligation without delay.
Product: Credit reporting

Experian has not been letting me challenge items on my credit credit report that violates FCRA guidelines. 
The Accounts in questions are : 1. XXXX XXXX XXXX - Account Number XXXX Problem : XXXX XXXX did not follow FDCPA and FCBA Guidelines and unfairly reported the collection account to Experian. Its paid in full as well. Account should be removed from my credit bureau report. 
2. XXXX XXXX XXXX XXXX Problem : Date of First Delinquency with the original Creditor ( XXXX ), is more than 7 years old. This collection account should be removed pursuant to FCRA. 
3. XXXX XXXX Problem : XXXX Did not follow FCBA and FDCPA guidelines and sent the bill to incorrect address and I was not notified of the account being charged off and sold to XXXX XXXX, XXXX. I have complained against XXXX and XXXX. 
This negative information adversely affects my credit report and financial well being. Please remove this account. 

I am currently a member of experian.com but the website does not let me challenge or dispute the questionable negative items. I feel like I am being treated unfairly with the creditors having an upper hand with experian. The account security credit services also provided experian incorrect documentation in the past satisfying expeian. The date of first delinquency with the original credit of this account is around XXXX 2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that XXXX XXXX had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted XXXX XXXX about the issue. The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as XXXX XXXX & Experian authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted XXXX XXXX to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a XXXX XXXX Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted XXXX XXXX and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the XXXX XXXX address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe XXXX XXXX is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.
Product: Credit card or prepaid card

In XX/XX/2021, I applied for the XXXX card. My annual pay is $ XXXX, and my credit score is near XXXX. I have a decade of credit history. 
My XXXX credit card was given only a {$700.00} credit limit, clearly a mistake. 
The XXXX customer service has given me no explanation as to how {$700.00} is an appropriate amount, and refuses to review the calculation for errors. Talking to them is like talking to a wall. " Well the system says the limit is {$700.00} '' - clearly showing an inability to actually resolve a clear data error that happened within their system. The contact center refuses to contact a banker or someone who can review the issue. 
They have trapped me with an un-usable card, as a {$700.00} credit card is effectively useless. 
I have friends who have the XXXX credit card and they have actual credit limits despite having lower salaries, less credit history, and lower credit scores. 
Talking to XXXX is like having a fever dream. I regret applying for this card deeply. I never have issues like this with my other banks such as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Resident Verify '' and " XXXX XXXX '' is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian, XXXX, and XXXX XXXX report on XX/XX/XXXX and XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

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 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 not initiated any transaction with Resident Verify or " XXXX XXXX '', Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, 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, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses 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.
Product: Debt collection

XXXX XXXX XXXX installed solar panels and a metal roof on my home at XXXX XXXX XXXX, XXXX XXXX, SC. 
Was financed by Loanpal ( now known as Goodleap ). I attempted to refinance it because I was getting charged interest only. They were giving me false information and lies about the rebate from the government on taxes. 
In XXXX I tried to get a refinance and they said they were going to send someone out to fix the panels and roof. When informed that I was on unemployment they stopped trying to help me and kept sending me late payment emails and notice of disconnect of my solar panels ( which has been disconnected. ). When I attempted to contact the number given to me ( XXXX The agents name was XXXX. ) to get someone to fix the damage to my dinning room leaking roof, they proceeded to tell me there is nothing they could do and to take it up with my home owners. 
Now as a result of all this I have liens against my property, my solar panels to not work, my roof still leaks, and I have so far estimated a total {$15000.00} in damaged to my house. Plus the cost for repairs to the leaking roof still.