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

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries were unauthorized and are negatively affecting my XXXX XXXX. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Lately I've going over my credit report and noticed various inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking to verify : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been paying for charges that i didnt performed on this card for almost a year. 
i want this report so i an escalate this to the next level. since i didnt performed this charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting my name as XXXX XXXX XXXX, I DONT KNOW WHO XXXX XXXX, BUT I HAVE SENT IN MY CORRECT INFORMATION ALONG WITH MY ID AND MY BILL AND THEY ARE STILL REPORTING THIS ON MY FILE! 

I NEED MY CORRECT NAME ON MY REPORT ALSO MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, CA XXXX NO OTHER ADDRESS SHOULD BE LISTED
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

To CFPB, On XX/XX/2018 we received a notification from XXXX XXXX that a company called XXXX XXXX had placed an account with Equifax for {$230.00} which we thought was strange because we NEVER received any notification from them letting us know of this debt, obviously bogus or else we would have received a notice. As you know I have had XXXX XXXX going on and this type of behavior on the part of Equifax makes it worse as they know that we are supposed to receive notice from anyone claiming we owe them something, its FEDERAL LAW. Now the law has been violated and there WILL be consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance : {$280.00}.
Product: Credit reporting or other personal consumer reports

The information reported for my Bankruptcy is inaccurate. Court name listed on report and actual name are not the same. Court case number is incorrect. Also the court has verified that they do not report to the credit bureaus. See attached documents
Product: Credit reporting or other personal consumer reports

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of XXXX to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was still found in my Credit reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : Credit Dispute Department This letter is being sent to you in response to a notice sent to me on ( XXXX XXXX XXXX ) or a listing on my credit report the following loans ( XXXX XXXX XXXX XXXX  ), ( XXXXXXXX  ) and ( XXXX/Dept of Ed-XXXX  ). i received official letter from last loan that my loan was passed to was paid in full. Be advised I paid this debit off and as such this is not reported correctly and, a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. 
Violation of the FCRA Violation of the FDCPA If your offices can please remove this from my credit immediately that would satisfy this urgent request. 
Best Regards, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Student loan

This took place on XX/XX/2024. The company claiming to offer business realted to loan forgiveness was XXXX XXXX. 

I received a notice in the mail titled " FINAL NOTICE '' and explaining how I could qualify for various routes to receive student loan debt relief. The letter gave an accurate estimate of my student loan amount and also included directions on setting up an FSA ID as they mentioned it would be needed. The letter also included a phone number to call in response to the note received. I called the number on the note and the person who answered asked me to provide the BENEFIT ID # which was listed on the note at the top, and asked for available times I could be called at where someone could help me with the student loan forgiveness application. I received XXXX calls since that initial phone call I gave and kept missing them. I eventually called back and spoke to XXXX XXXX. He asked for my student loan information including the total amount and an emailed attachment showing the breakdown of my loans. He then asked about my annual income, who is included in my household, and how I file my taxes. He then followed up with someone else while I was on hold to see if I qualify for the debt forgiveness. He said I did. He then proceeded to ask me personal information as part of the forgiveness application : name, DOB, SSN, routing number, checking account number, address, and XXXX references with their address. He said that I would still receive bill statements for my loans but would not have to pay it as it will already be funded for. However, he said I do need to pay service fees to their company for about {$290.00} for the next XXXX  months. He also stated I will be charged a fee of XXXX XXXX  monthly fee for all of the documents being filled out and submitted on my behalf. He then sent me a digital copy of all of this information he collected from me and had me digitally sign and initial this document. After that, he said I would receive mail with all of the information he shared with me in written form. He also said the approval part will take XXXX weeks, but those charges would start in XXXX already.
Product: Mortgage

I have been asking for a modification form since the month of XXXX and I did not receive anything they told me they were going to mail it to me and nothing I called them 3 weeks ago and then 2 weeks ago asking for the same form and they said the same thing and this week I receive a letter that I have to pay my loan of full that is about {$36000.00} and I dont have that money I lost my job in XXXX and I also got behind with my payments because I got injured at work. Please help me I dont want to lose my house. The mortgage company is Vanderbilt mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX TransUnion is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX  is reporting no late payments and XXXX  is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Debt collection

My parents and I received a call today about an alleged debt. XXXX from XXXX XXXX XXXX called and left a message on my parents answering machine that I owed {$25000.00} on a tractor and that I was behind 7 months on payments. I have the conversation recorded on my phone of my father calling me and telling me this. I have already spoken to the debtor regarding this claim some time ago. I was under the impression that disclosing personal information about a debt, other than to the debtor, was illegal. They also sent 2 guys to my house today who threatened to charge me with a state jail felony after I offered them to look around my property for the tractor they claim I owe on. The repo companies truck had no visible markings either to identify the company which also is not in compliance with state and federal regulations. I have video from my vehicles dash cam to back this up as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has made claims that i have mistaken what a charge off is, a charge off is considered income to the IRS, associated with 1099c tax form which gets filed, A consumer report can not contain income therefore it would be a violation of federal law to report income on a credit report as it would not be accurate. additionally consumer is requesting any itemized bill and purchase agreement and also original contract with original creditor containing wet signature. CONSUMER IS NOT REQUESTING ACCOUNT MONTHLY STATEMENTS. CONSUMER IS ALSO REQUESTING FULL FILE DISCLOSURE UNDER 15USC 1681g
Product: Credit card or prepaid card

Hello Due to covid 19 I lost my job XX/XX/2020, I applied for unemployment benefit and was approved, I was told that they will send me a bank of America card within couple of weeks, I patiently was waiting until XX/XX/2020 until I called the unemployment department and I was told that they already sent my card so they refered me to bank of America to see why it was delayed, I called bank of America on XX/XX/XXXX to see why is the delay only to find out that they already sent it even though I never received nothing from them and on top of that the card been used and activated without need of pin code and was charged over 12000 dollars from my money : ( B.O.A stopped the card and send me a new card with no money and they say they will open investigations with all the charges until now I still didn't get my stolen money I filed a police report in XXXX county sheriff department in California XX/XX/XXXX the 2020 report # XXXX I opened a claim with bank of America # XXXX XXXX XXXX XXXX on XX/XX/XXXX haven't heard nothing yet I ve been waiting patiently for my unemployment benefits to pay my mortgage and now I am still waiting for bank of America to pay me back since they compromised my card i need some help and attention since I haven't got paid since XXXX of 2020 My name is XXXX XXXX XXXX phone number XXXX XXXX XXXX
Product: Student loan

I have a forbearance from XX/XX/XXXX- XX/XX/XXXX. These accounts are reporting 90 days late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I am writing because I had a car financed through Santander Consumer USA in XXXX. This car was placed as a charge off, several years ago. I have disputed this numerous times, because the car was sold at an auction. When I contacted Santander in XXXX, they let me know that the car would be falling off of my credit in XX/XX/XXXX. I asked them to clarify the balance, since the car was sold at an auction. They stated that the car was located at the police station, when I told them to come get the vehicle back in XXXX. They stated that the car was found at the police station, and they had no interest in the vehicle so they just left it there for the police to auction off and sale. Which is fine, but why am I still being charged the full balance and why is it still on my credit report? Can you please get them to take it off, because it has surpassed the time frame? It say they havent even reported since XX/XX/XXXX.
Product: Consumer Loan

I got a loan from Regional Acceptance Corporation address XXXX XXXX XXXX XXXX NC XXXX. The loan was for XXXX and with an accumulating interest of XXXX that was in 2011 now they still want me to pay another XXXX to pay off for car which I brought. I talk to them and gave an offer they refused and demanded that I pay or they want to reprocess the car and after they sold it I will still owe the differences. I paid a total of XXXX for a loan of XXXX, although, it was not a fair deal but that it what I could do at this time. I would like to file a complaint against this corporation so you can assess and evaluate the situation for a fair result. Awaiting for your answer, thank you, a suffering customer
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXXXXXX XXXX XXXXXXXX - This is very outdated and appears to be reporting inaccuratelyto report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of

15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at
least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : date of reported late payment : XX/XX/XXXXXXXX XXXX XXXX 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

We have a few store cards through MySynchrony consumer cards. We have Old navy and we have Rooms To Go. 

We recently started receiving notifications for Amazon Cardholder Services. We've never applied or used an Amazon card. I called MySynchrony and they told me that I need to contact Amazon and then Amazon told me to contact the bank. Both said they weren't responsible for telling me the issue even though Amazon hires MS for their store card. 

They simply said it's " an error '' but refused to explain further. How would MySynchrony send me Amazon card notifications for a card I don't own or use or never applied for? It seems that they may have leaked my data to Amazon. I think that MS doesn't have the appropriate security measures in place to protect my information from bleeding over to other companies they serve. I would like an investigation and reparations for wrongdoing. 
Thank you!
Product: Credit card or prepaid card

Due to Covid-19 I have lost my income. 

I called Capital One to see if they would help with lowering interest and they said no, they would only allow me to not make the payment this month and I would have to make it for the month of XXXX. 

This is only beneficial to the Credit Card Company, as my 24 % interest will accumulate and come XXXX I will another almost 200 dollars more then before on my account therefore the Credit Card company will charge me even more for the XXXX Payment. 

Everyone is struggling, I need money for food. 
Why aren't these wealthy credit card companies able to put the interest at 0 % or very low to help people in my situation. 

I've been a loyal customer for so many years, never missed a payment.. and in true time of need this company does nothing to help. In fact, it's beneficial for them if I don't make q payment, more money for them the next month with more interest. 

Despicable, I am so disappointed. And I don't know what to do. 
I need to eat, that's number 1.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX