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

I just recently looked at my credit report XX/XX/XXXX, I saw some hard inquiry that did not have permission purpose. I also attached evidence 2. These inquire has no permissible purpose to be on my report. Delete this inquirydue to violation of 15 usc 1681b. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Type : Bank Credit XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/2020 I have submitted several complaints about this company and to date they have not responded. They refuse to validate the date, ignore my request for more information as called out in the FCRA continuedly send me excuse about how they purchased the debt but won't send the requested info I asked for and have the right to!
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX  XXXX Account Number : XXXX days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021, and 60 days late in XX/XX/2021. 

4. XXXX  XXXX Account Number : XXXX 30 days late in May XXXX, 60 days in XX/XX/2021. 90 days in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX Account XXXX : XXXX 30 days late in XX/XX/2021 I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Original creditor XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account # XXXX U S DEPT OF EDXXXX Account # XXXX XXXX XXXXXXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, has violated my rights.

XXXX XXXX 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: Debt collection

I am writing to express my concerns regarding a recent interaction with a debt collector. I requested validation of the debt but did not receive a response. I have called several times and keep being told it is being " worked on ''.

Under both the Fair Debt Collection Practices Act ( FDCPA ) and Florida 's Consumer Collection Practices Act ( FCCPA ), debt collectors are prohibited from misrepresenting the amount owed. Specifically, adding fees not included in the original contract constitutes misrepresentation. The FDCPA allows collectors to charge only those fees that are " expressly authorized '' by the original agreement or permitted by law. If the original contract does not specify these additional charges, they can not be added later. 

Furthermore, the Florida Deceptive and Unfair Trade Practices Act protects consumers from unfair or deceptive practices, which includes imposing unexpected charges. 

Not only that but this item is list negativaly on my credit report twice. Please remove it.
Product: Debt collection

Like in XXXX or XXXX Aprox I dont remember a exact date. I bought a bedroom set for my new apartment. When I knew The account was almost paid off I called the company so I could pay off all my account. They gave me the exact quantity of how much I owned them, I paid, The next day the were charging me the same amount I had payed the day before. I told them. How is that? He just told me, Im sorry he just made a mistake. It wasnt the first problem I had with them. For weeks I tried to log in in my account to see my account balance and I couldnt not. I contacted for help but they even never got me to log in to my account. I am on my right to think they were just scamming trying to get my money. I made a a dispute and XXXX  deleted the report, but they posted it again, I made another report, they deleted it and after a year it appeared again. But this time XXXX  didnt paid attention to my report.
Product: Mortgage

Freedom mortgage contacted me on the first of XXXX to help me get an forebearance or loss mitigation relief! They said there are grants available but I checked & they said it's closed idk what else to do but I need help & relief! I also have a XXXX case manager so I am emailing them today too to see what kind of help I can get with them too because I need a lot of help!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX it was reported a late payment of 30days when I was never late for XXXX XXXX XXXX XXXX. I payed payment over phone an it got reported to experian and the other two bureaus as a late payment. I have never been late on my payments. Ive disputed this 3 times and my issue wasnt solved either time or investigated the correct way.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legitimate obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation in of disputed information on my credit report, leaving unresolved, unverifiable and expired statue of limitations accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to to adequately notify consumes of dispute outcomes. These failures align with my experience, where XXXX has neither removed or corrected action to remove or amend the disputed accounts., XXXX XXXX inaction violates federal law and my rights as a consumer.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/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: Debt collection

Twice now, CBE group has attempted to collect on a debt that is not mine, for XXXX XXXX. 

I have already proven that I did not have a XXXX account before XX/XX/2023 ; I used a fiber service for around 4 years prior and before then, I lived in a building that was pre-wired and included Internet service. Before then, I lived in a different state with a completely different cable service. 

Keep in mind that I can prove this beyond the shadow of a reasonable doubt, using receipts from my fiber service and my lease from my previous apartment, with Internet services included. This is not a fight that can be won by CBE. 

Not only is the account fake, CBE mailed me a document with a fake account number that does not pull up any account belonging to me upon calling XXXX this morning. 

This is not some honest mistake, this is intentional fraud and attempted theft on the part of CBE and I intend to sue them in small claims court for maliciously damaging my credit score.
Product: Credit reporting or other personal consumer reports

There are items on my report that I did not authorize. Over the past few months I have complained to all three bureaus about items on my report that I did not authorize. I submitted an identity theft report and nothing was done. It is unlawful for one to be punished for acts that they did not commit. These are the following items that I am complaining about. 

Collection : XXXX Balance {$380.00} Account # : XXXX XXXX XXXX : - Balance {$3800.00} Account # XXXX Inquiry : XXXX XXXX XXXX- inquiry Date : XX/XX/23
Product: Credit card or prepaid card

I was Identity Theft-ed and a unemployment insurance was filed against me which I believe prompted the issuance of this USBank XXXXcard.  Of course I destroyed the card and tried to reach USBank 's number that was on the letter that came with the card to tell them I don't want this card. The person said they are not associated with the XXXXcard program and that they couldn't do anything about it. She then transferred me to the fraud department for the XXXXXXXXcard and it was an automated teller that instead of taking my information was proceeding to activate the card! I did not proceed and hung up. Why is then their number on the letter that came with the card if they are not associated with the card? There were other numbers on the letter which all said they can't do anything about the card. I just don't want any charges sent to me from this card in the future is the reason why I wanted to call someone and say that this was fraud based.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - 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 an Account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is listed on XXXX  current Account owner as XXXX XXXX XXXX for XXXX XXXX XXXX # XXXX Also, listed on Equifax as current Account owner as XXXX XXXX. 

This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX 15 U.S.C. 1681i ( 7 ) - Description of XXXX : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information. 

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - XXXX XXXX : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( XXXX ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information. 

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated XXXX timeframe. The results of the investigation did not adequately address my concerns. 

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within XXXX business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report. 
Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several inaccuracies regarding late payments. These do not reflect my typical payment habits. Kindly address these errors and update my account. Thank you!
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account for XXXX XXXX XXXX  This account is inaccurate and does not meet the FCRA reporting standards. 

Issue 1 : You are reporting that the account is closed. Yet the closed date is missing from the report. Why is this incomplete? 
Issue XXXX : The report says 7 years of payment history, yet there is No Data reporting for 48 Months. Why is no data reporting for 48 Months? Whis is this incomplete?

Issue 3 : Creditor Classification reporting as Unknown? Why is it unknown? 
Issue 4 : Date of last activity missing. Why is it missing? 
Issue 5 : Last payment date is reporting as XX/XX/2019 in the account history but this is not reflected in the payment history. 
This does not meet The FAIR CREDIT Reporting Act standards. 
Proof attached.
Product: Money transfer, virtual currency, or money service

I have tried on several occasions to move funds from my XXXX vault and XXXX vault to my wallet in order to sell the crypto-curriencies and remove my funds from XXXX. The most recent attempt was on Wednesday, XX/XX/XXXX. I have tried from several different devices over the past forty-five ( 45 ) days in hopes that it would successfully transfer, to no avail. I have contacted customer support twice XXXX XX/XX/XXXX and XX/XX/XXXX ). They were unable to provide the help I needed, and stopped communication with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint to XXXX TransUnion and XXXX on XX/XX/2023, and it has been well over 30 days. 

I still haven't received anything back from two of the credit bureaus, according to 15 USC 1681 ( A ) ( 1 ) ( A ) TransUnion, XXXX, XXXX have 30 days ( about 4 and a half weeks ) to respond, this is a violation of my rights. 

Complaint IDs listed below. 

XXXX - XXXX ( TransUnion ) XXXX - XXXX ( XXXX )
Product: Checking or savings account

BOA put a hold on my checking account, amounts of XXXX dollars at XX/XX/XXXX, then I called them, they told me to provide information to prove that the money was transferred to me correctly. And they said they will finish the investigation in 90 business days. Then I emailed them the transfer voucher with my name on it to prove this money was transferred to me correctly. But now is over 90 business days, they told me I may wait 180 business days or longer. The hold cause my checking account balance to lower than 0. I will leave the U.S. soon, and I need to close the accounts. But they told me I wont be able to close the account if the balance is not equal to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.
Product: Debt collection

Repeated calls from telephone numbers XXXX, XXXX, and XXXX. These are Virginia telephone numbers. They never leave a message. I have no dealings with anyone or any company in Virginia. My phone blocks the calls and lists them as " Fraud Risks ''. The XXXX number called me ten times on XX/XX/2022, the XXXX called seven times on XX/XX/2022 and the XXXX called 8 times on Saturday, XX/XX/2022. The XXXX number has called once today, XX/XX/2022.
Product: Mortgage

On XX/XX/XXXX, I received an alert about a lien being placed on my home due to nonpayment of property taxes. I reached out to Shellpoint Mortgage on XX/XX/XXXX spoke with a rep who went over my account and saw the discrepancies on my statement and saw where I paid my balanced in full and escrow balance was owed to me so that I could pay my property taxes. I have yet to hear from anyone or receive my escrow balanced in order to pay my XXXX property taxes. I'm planning to file a suit against the company for negligence and bad faith. I lost sale on my property because of this situation.
Product: Debt collection

Took my almost my whole check for payment without authorization! I never authorized this - will not refund my money
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}XXXX XXXX XXXX XX/XX/XXXX {$14000.00}.
Product: Credit card

Capital one failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.

I want the CFPB to publish.
Product: Vehicle loan or lease

I have had a lease for a car for my daughter for three years through JP Morgan Chase. I was 60 days ahead of all scheduled monthly payments throughout the initial lease period. In XXXX, my daughter decided to extend the lease for 6 months. She was informed by Chase, that the payments would remain the same. Nothing more was disclosed. 

I had a credit monitoring service just inform me that my credit score took a hit due to JP Morgan finance. I immediately called chase over the Holiday Weekend and they were closed. I called today, Monday,   XX/XX/XXXX and was informed that when the lease was extended, new payment arrangements had to be set up. I was never informed of this via letter or otherwise. I asked Chase today, why didn't they call me to inform me of late payments. They stated they have 'too many accounts ' and 'we don't always call. But we do send a letter '. 

Interestingly, today I received a letter from chase stating I was behind on payments. I already settled the matter this XXXX, and when I inquired as to clearing the delinquent reporting to credit bureaus, Chase stated we can't do anything for you '. they stated that I was told on XX/XX/XXXX 'that new payment arrangements must be made ' ( I never talked to anyone, my daughter took care of the lease extension ). I was told that there were details involving the conversation ( that I never had w chase ) so, I asked if Chase would mind sending me the recorded conversation. I was told 'this would not be possible '. 

So, I now have a derogatory credit report from a company where I made payments 60 days early for three years and when they extended the lease, and didn't receive new payments because I didn't know I needed to reschedule payments, Chase now reports me delinquent for {$100.00}, and they won't access the alleged call where anyone was notified of the new payments needing to be scheduled.