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. 
XXXX XXXX {$11000.00} XXXX {$420.00}, XXXX XXXX  $ {$100.00}, XXXX  2 account {$480.00} and XXXX accounts of XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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: Mortgage

Due to circumstances beyond my control, I filed for chapter XXXX bankruptcy on XX/XX/XXXX. 
On XX/XX/XXXX we met with the trustee, I was told by the chapter XXXX trustee XXXX XXXX that we need to have a loan modification. 

In XX/XX/XXXX we filed documents for a loan mod. It was never reviewed because my attorney, XXXX XXXX XXXX. failed to send a document to the bank, giving permission to negotiate a loan mod. 

My home was scheduled for a sheriff sale on XX/XX/XXXX, When I called the bank, I was informed that I could not file because of the 37 day window. 

I went to court on XX/XX/XXXX, I filed a motion for a stay, I was granted a stay until XX/XX/XXXX. 
Court document is included in my package. 

I then filed a new loan modification packet on XX/XX/XXXX. 

I received a letter from the bank stating that additional documents were needed, I got the documents and uploaded to the bank on XXXX XXXX. 

On XX/XX/XXXX I contacted the bank to follow up, at this time I was advised that there was more documentation needed, however the 37 day cut off was XX/XX/XXXX. Yet I was advised on XX/XX/XXXX. 

As of this point, Caliber Home Loans will not review a loan modification because of the cutoff. 
I have been in constant contact with Caliber Home Loans, I have provided all the documents they required, they were sent in a very timely manner, yet now the 37 day cutoff is going to prevent a loan modification and they are going to proceed with the foreclosure and sheriff sale on XX/XX/XXXX. 

This is extremely unfair, I have done all I could on my end. I believe they intentionally stalled the process, so they could foreclose on my home. 

I have all the documents sent to Caliber Home Loans, it is in my opinion that Caliber Home Loans committed fraud upon me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While i was looking at my credit report i noticed someone tried to take a loan oout using my information this was not me nor did i have any knowledge of it. I didnt give anyone my information so i dont know who did this or how this happened.
Product: Credit card

Applied and was approved on XXXX XXXX for a Citi Simplicity Credit Card with 0 % interest for 21 months. This is what they advertised. Today is XXXX XXXX and still have not received the card. I have called 3 times the first time on XXXX XXXX to report I still did not have the card even though I received numerous emails welcoming me and stating that I needed to activate my card. I was told it was mailed on XX/XX/XXXX (? -Holiday? do n't think so-1 hour on hold ) and I would need to wait another week. So I called back on Friday the XX/XX/XXXX but hung up after XXXX minutes on hold. So I called back again on XX/XX/XXXX ( approx 45 min on hold ) to advise I still did not have the card and he told me he could block it but there would be a {$6.00} charge to reissue it. I told him I was n't paying the charge because I never received the first card and not even sure they mailed it. He told me he would waive the fee since I am a valued customer and would transfer me to the reissue department ( another 20 minutes on hold ). The girl told me that she would overnight me a card via XXXX and I should have it no later than Tuesday, XXXX XXXX. That is today and it is XXXX and I still have nothing. I got a welcome letter in the mail today ( it was mailed to the same address that I verified with them each time I have called ) for the card they supposedly blocked. It is amazing how that arrived but still no card. I am calling once again to get a tracking number ( if they even sent another card ). So far I have been on hold for 30 minutes. They just answered he asked me my first name and I provided it told him that I need to get a tracking number and he stated one moment m'am and now I am back on hold ... ... I said H-E-L-L-O and he said yes m'am I am checking on it. But I do n't see how since he only has my first name. Put me back on hold .... now it has been 35 minutes and someone is dialing on the phone. I have a feeling they are going to disconnect me. Still no answer, great I am back on the hold music! Meanwhile my 21 months @ 0 % interest is clicking away. This starts on the date you are approved. I think they need to honestly advertise that they have no plans on mailing the card immediately so really it is more like 18-19 months not 21 months no interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has done nothing sent ftc, police report and cfpb all they done is hack into my computer
Product: Vehicle loan or lease

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : account number : XXXX XXXX XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. Please block this information from my credit report within four business days, under section 605C of the Fair Credit Reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. Please send me a notification of the actions taken. I greatly appreciate your prompt expedited action on
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX This is my third attempt to have this issue resolved. 
I am writing to formally dispute the inaccurate and harmful information regarding my account with XXXX that appears on my credit report. After thoroughly reviewing the account details, I believe there are several errors that not only violate my rights under federal law but have also caused significant XXXX  XXXX. I request the immediate removal of this account from my credit report. 

Issues with Account Reporting : Inconsistent and Inaccurate Charge-Off Reporting : The account is reported as charged off with a balance of {$460.00} written off in XX/XX/XXXX. However, the account is continuously marked as charged off through multiple months in 2023 and 2024, which is inconsistent with standard reporting practices. Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, this inaccurate and inconsistent reporting is a violation of my right to have only accurate and complete information appear on my credit report. 

Failure to Verify Information : The discrepancies in the reported charge-off status and payment history indicate that proper verification may not have been conducted. Under FCRA ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to verify the accuracy of any disputed information. The extended and repeated charge-off reporting should be investigated, and if the information can not be verified, it must be removed from my report immediately. 

Misrepresentation of Past Due Amounts and Balance : The report lists varying past-due balances and a continuing charge-off status over multiple months. Under the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e, it is unlawful for creditors or collectors to misrepresent the nature or status of the debt. The ongoing charge-off reporting may violate this section of the FDCPA by misleadingly suggesting that I am repeatedly defaulting on the debt, which is inaccurate and harmful to my credit standing. 

Failure to Update Account Information : There has been no indication of recent payments or updates to the account balance, further suggesting a violation of FCRA ( 15 U.S.C. 1681s-2 ), which mandates that creditors report accurate, complete, and up-to-date information. If no recent activity has occurred, the account must reflect this accurately and not list repeated negative actions over the past XXXX years. 

Request for Removal and Relief : Due to these violations of the FCRA and FDCPA, as well as the resulting stress and hardship this situation has caused me, I respectfully request the immediate removal of this account from my credit report. The inaccuracies, inconsistencies, and failure to follow proper reporting standards have not only hurt my credit score but have also caused significant XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and according to XXXX XXXX which states governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). All these and addresses or in accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX and XXXX XXXX XXXX XXXX XXXX, OK XXXX.
Product: Credit card

I purchased a product with Paypal. The merchant charged me for a service that I did not agree to. 

I have been unable to have Paypal reverse the charge. 

I made a purchase for {$19.00} for a product named CreatorU that is apparently linked to a parent company XXXX. 

The product was underwhelming. When they sent a receipt, there was a link in the receipt that indicated terms and conditions. I didn't bother reading the terms and conditions as it seemed reasonable that they can not impose terms and conditions after the sale. 

I made the purchase on XX/XX/XXXX, On XX/XX/XXXX they charged my Paypal account {$140.00} without my permission. This is entirely unethical and unreasonable to charge me for a service that I didn't pay for. 

I have a receipt after I had already purchased their product send via email where they send a link with terms and conditions that reference a subscription, but after the sale. With provisions like this, conceivably they could have charged {$10000.00}. This is a one sided agreement. 

Paypal is asking me to provide a sale agreement that I never received or agreed to to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Equifax credit report and noticed 14 unauthorized inquiries on my report. Equifax has removed them, but they are still liable for the damages I sustained as a result of this reporting, pursuant to the FCRA or specifically 15 USC 1681n, because I had to warn them multiple times to remove it and it delayed me from getting credit I needed access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification number XXXX Claim amount {$0.00} Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy XXXX. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX in settlement. {$15000.00} written off. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$25000.00} written off. {$25000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) 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.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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: Debt collection

I called this company to get information as to why they are reporting on my credit report. they could not give me an answer but simply mailed me a letter to my home address. I have never done business with the company when I called I asked for proof of what I owe. the letter has none of such. 

the only specification is delinquent utility bill from XX/XX/14- I have not had a utility bill in my name in 2014. 

I attached a copy of the letter and my tax return to show proof of my address
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX ACCOUNT NUMBER XXXX 2. XXXX XXXX : ACCOUNT NUMBER XXXX 3. XXXX XXXX XXXX Original creditor : XXXX XXXX : XXXX 4. XXXX XXXX XXXX Original creditor : XXXX XXXX : ACCOUNT NUMBER XXXX 5. XXXX XXXX XXXX : ACCOUNT NUMBER XXXX 6. XXXX XXXX Original creditor : XXXX XXXX : ACCOUNT NUMBER XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my credit report and noticed the company XXXX is reporting inaccurate information on my credit report. I have attached my account balance showing that I am not past due and also that XXXX is reporting conflicting information on my consumer report. 

Consumer reporting agencies have a vital role and have a responsibility to report to the best of their ability with Maximum accuracy. I am not late on this account, was not late the previous months on this account. Creditor : XXXX XXXX XXXX XXXXXXXX. Please investigate and show proof that I was late. If proof can not be furnished I demand the account be deleted totally or ALL late payments be removed. Furthermore please discontinue reporting that a balance is owed to XXXX. There is no balance owed. 

Thank you
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I took out the Barclays Carnival credit card prior to my XX/XX/XXXX cruise. Once on board the ship my daughter and I utilized the spa. My daughter received a pedicure that was billed in the amount of {$80.00}. My credit card was billed on XX/XX/XXXX for the that charge. The day before we disembarked the ship ( Thursday XX/XX/XXXX ) at XXXX XXXX my card was charged again for this service. It is a duplicate charge in the amount of {$80.00}. I received a final statement prior to us disembarking the ship and this duplicate charge came AFTER I was provided my statement. On monday XX/XX/XXXX I reviewed my credit card statement and saw the second charge as well as an addiontal XXXX XXXX I immediately called XXXX XXXX   line and the XXXX $ charge was corrected, however I was told the spa is a third party vendor and they could not refund me for that duplicate charge. 
I then contacted Barclays Carnival master card and opened a dispute. I had XXXX email me an update copy of my statement where is showed the charge of {$80.00} that had been billed twice. I highlighted both charges and mail this to them per their request. several times over the last 4 weeks I have received vague calls or letters from the credit card company asking me to call in regarding the dispute. I have each time. After waiting on hold for very long periods, they always act like they have no idea why I was told to call in. Today however I received the news that they refused my dispute and will be making me responsible for paying this duplicate charge. They could provide no reason other than the two charges had two different time stamps. Of course they have two different time stamps - the card was ran TWICE for this service. I am extremely upset with the customer service and how this credit card company is allowing me to be fraudulently billed. I fully cooperated with everything they asked me to downs find it very suspicious that this is a " XXXX  '' credit card and the fraudulent charge is for " XXXX '' however no one wants to do anything to fix it. The credit card company said contact the cruise line and the cruise line says the spa is not part of their ship ( even though they advertise it and offer incentives / promotions ). I would like advice on how to proceed since I have never been treated this way by a credit card company.
Product: Credit reporting or other personal consumer reports

Account # XXXX AND # XXXX MILESTONE CREDITOR CONTACT ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, MN XXXX Type of disputed information : Credit Card Explanation of item being disputed : There are two different account numbers showing up for the same account. One account, I did not give permission for the creditor to share my personal information, that's illegal. Now, I have two different companies, reporting at the same information on my credit report. One Account number XXXX shows that I am current and the account other company is reporting charged off, with 4 late payments. Account number # XXXX shows the account as a charge- off, on XXXX shows 120 days late with XXXX payment late, on XXXX it shows charged- off with 12 late payments. All different companies have different statues and inaccurate information on my credit report. 
I am asking for this account to be immediately off of my credit report. Please mail me a detailed letter when this account is deleted. 

I was under the assumption, if companies are reporting inaccurate information, they should be delete. The CFPB is here to force the companies to correct their wrongs false information. Not just keep on changing information every time they get a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes on fraudulent accounts. I have also contacted the companies to receive documentation that I have signed or authorized the accounts. The companies has not provided such documentation, yet fraudulent accounts has not been removed from my credit report, which is greatly affecting my life. I have followed all steps by submitting my correct identification to identify myself and have fraud alerts on all bureaus. I would like the fraudulent accounts removed as they do not belong to me. For the XXXX XXXX XXXX auto loan it is a duplicate. One shows paid in full and the other shows derogatory with the same account number. The derogatory account needs to be removed. XXXX and XXXX has removed all fraudulent accounts, but Transunion has not removed the accounts. Please see accounts below : XXXX XXXX XXXX auto loan XXXX XXXX I will also provide proof that the accounts were removed from the other bureaus except Transunion
Product: Consumer Loan

I received a car loan for which I made two years payments for, on a three year loan. After the car was impounded in 2013, I attempted to work with Forman Financial and their collections department, and was told loan docs and payment history would be sent so we could work out a payment plan. However, the documents I requested were never received and the loan was charged off. I would like charge off removed and the amount reflected in the report to show what was owed after the two years payments and XXXX down payment. I am also requesting copies of the loan documents and payment history. Also my credit report shows that they recently increased the loan amount.