23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This credit card was opened in XXXX with XXXX bank Delaware. This is a credit card I could not make payments on. On XXXX XXXX I made my last payment toward this loan. On XXXX XXXX they started to try to collect this debt and put negative information on my credit report. On XXXX XXXX XXXX sent this account to Midland funding llc for them to collect. They XXXX are still reporting this negative information on my credit reports. Its been well over 7 years from the default. I have contacted them my phone and mail asking them to up date or remove this from my credit report. They just continue to report this information. They also try to contact me by phone for collection purposes. See attached for proof of over 7 years.
Product: Credit reporting or other personal consumer reports

I havent had a credit score in over six months. Please help.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TRANSUNION. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. ENHANCED RECOVERY COLLECTIONS, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XX/XX/XXXX : # XXXX ( Charge Card Account ) has violated multiple federal privacy laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, the Privacy Act of 1974 ( 5 U.S.C. 552a ) requires prior written consent before disclosing records to consumer reporting agencies. XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. 
This account shows multiple delinquencies from XX/XX/XXXX through XX/XX/XXXX, with reported late payments of 30, 60, and 90 days, closing in XX/XX/XXXX. I am exercising my continuing right to opt out under 12 CFR 1016.7 ( h ), which requires compliance " as soon as reasonably practicable. '' The continued reporting without proper privacy notices, opt-out opportunities, and consent violates both the FCRA and the Privacy Act of 1974. I demand immediate cessation of all reporting of this account to any and all consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of my credit report I noticed a fraudulent account that was listed on there. I have gone to the police but they have said that there is nothing they can do since I have no information on the suspects. Please remove this fraudulent account from my credit file as it is reflecting me negatively. 
The name of this account is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required documents include a photo ID, a recent utility bill, and a letter from an advocacy group supporting me due to debt bondage related to XXXX XXXX. This situation is recognized as trafficking under the XXXXDebt Final Rule ( 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) ). I respectfully request that you remove this information from my credit report within four business days, in accordance with section 605C of the Fair Credit Reporting Act. I have provided my identification and the necessary information from the list of acceptable items, of which only XXXX are mandated by law. Additionally, I have included all required documentation, including a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I had submitted a dispute to experian through their website. To have them investigate several different negative accounts. That is currently listed on my experian credit report. On XX/XX/XXXX  Experian responded to my dispute that I submitted to them online through their website. Stating that they only updated the information listed under these creditor accounts, which I didn't request experian to do at all.
Product: Student loan

On  XXXX   XXXX , 2017 I sent this company a letter informing them that I will be sending them a check with a conditional endorsement which laid out the terms of an accord.  XXXX  shows that NELNET received this letter last   XXXX    XXXX , 2017 as shown in the attached copy of my certified mail receipt below and according to   XXXX   mail tracking website as shown in the attached files. I sent them a check dated  XXXX   XXXX , 2017 and they already cashed this check.
Nelnet failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that your company broke the accord set forth by the conditional endorsement check you have cashed.
This is a violation of California Civil code.
Product: Debt collection

I received statements from both Discover and XXXX XXXX in XXXX of XXXX indicating that I owed balances on credit card accounts. On XX/XX/XXXX, I sent letters to the XXXX or each company requesting that they validate the alleged debts within 10 days by providing information as required by USC 1692 ( G ). After not receiving validation of the debts, I followed up with the companies. On XX/XX/XXXX I sent a Notice of Fault to each company informing them that I still had not received the required items to validate a debt per USC 1692 ( G ), and asked them once again to provide the items required by the USC 1692 ( G ) to validate a debt. Since I still had not received validation of the alleged debts from either company by XX/XX/XXXX, I submitted an FTC Identify Theft Report. I submitted this report since I believe that these accounts are fraudulent, and I am the victim of identify theft. As of XX/XX/XXXX, I have still not received validation that these debts belong to me. I have, however, received calls, letters, and texts from both companies repeatedly demanding payment for these alleged debts. Recently, Discover sent me a letter indicating that they were preparing to file a lawsuit against me for failure to pay this alleged debt. Additionally, aside from harassment, Discover and the Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) have damaged my financial reputation by indicating that I owe these debts.
Product: Student loan

I had to submit the application over and over again I had my employer 's statement faxed in ; per the rep it was not complete and it is to qualify I had to be in an income driver program for over 2 years and I have been more than that
Product: Vehicle loan or lease

I had a car loan with PNC XXXX. Loan was paid off onXX/XX/19 and I received the car title and lien release letter appropriately. PNC continued to debit my bank of america account with XXXX on XX/XX/19 as loan payment. my PNC online banking was closed abruptly ('standard procedure') so that I could not even stop payments on my own.I called PNC onXX/XX/19 to stop payment, case number XXXX XXXX XXXX. I am being given the runaround as to when I will get my money back. I am asked to call my Bank to file a dispute as to why the money has not been refunded to me. Apparently, the payment was never received by PNC. Then I am told it will take 14 business days. Then some extra days for this transfer or that.This is not the first time me contacting another consumer organization to help me with PNC. 30 mins on the phone call and no help in sight.I dont know what to believe.
Product: Debt collection

As I stated in a previous complaint, XXXX XXXX ( once managed by XXXX XXXX XXXX XXXX, and XXXX, NOW CURRENTLY managed by XXXX XXXX ) has been unfairly discriminating against me since I moved in and out of their terrible apartment community. 

Their community is infested with bugs, vermin, and the like ( both people and animals ). I had a horrible time attempting to fix issues that started with their improper leasing and discriminatory acts. The actors responsible include " XXXX XXXX '' previous agent and the current leasing agents. While I do not remember all of their names, I have documented proof of their racial animus and bias. 

I moved in. They checked my credit twice, without asking the second time. There were issues with my health and I attempted to pay them on time, each time, but their partner in crime, XXXX and others, internet portal NEVER worked on payday. Even though their systems did not work, and this was due to their negligence and improper communication, they refused to take responsibility for their actions. I confronted the front desk staff multiple times, initially, they were " kind '' and offered rebates but never offered to take full account for their errors. About a month or two before I moved out, I was told the company was sold to XXXX and that any continuing issues needed to be taken up with them. 

This is categorically unfair as well because PREVIOUS PAYMENT arrangements were discussed with the previous leasing agents, but the current, and subsequent, refused to check their records and acknowledge their faults. Each time I went in the office they were " doing audits '', but they could never accurately describe the issues with my payment UNTIL, they " decided '' to evict me. My payments, if the system would have worked, would have never been late, I had ONE noise violation, while others, often times were louder than me. I was promised when the lease was signed a quiet environment to conduct business and personal behavior, BUT, that never happened either. 

ALL in ALL XXXX XXXX is trash. Their leasing department is racist. You can even check their website. It states they welcome ADA individuals and the like, but they treated me, my illness, my puppy assistant ( XXXX ) and I as if we were a problem, when if you ask anyone else in that community, we were nothing but nice. I don't appreciate a false eviction on my record, nor do I appreciate a new debt collector attempting to recover debts that were the product of racism and negligence in the first place.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX -BALANCE {$0.00} Account Name XXXX XXXX XXXX XXXXXXXX - XXXX Opened XX/XX/XXXX -BALANCE {$0.00} Account Name : XXXX  # XXXX Opened XX/XX/XXXX -BALANCE {$2400.00} Account Name : XXXX XXXX # XXXX Date Opened XXXX {$430.00} Account Name : XXXX  # XXXX Date Opened XXXX {$0.00} Account Name : XXXX XXXX # XXXX Opened XXXX {$310.00} Account Name : XXXX # XXXX Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX # XXXX Date XXXX XX/XX/XXXX -BALANCE {$1800.00} Account Name : XXXX XXXX # XXXX Opened XX/XX/XXXX -BALANCE {$1000.00} Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX -BALANCE {$990.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -BALANCE {$1200.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -BALANCE {$130.00} Account Name : XXXX XXXX # XXXX Opened XX/XX/XXXX -BALANCE {$440.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized disclosures of my credit information and unauthorized credit checks conducted without my consent or authorization. These unauthorized activities have negatively impacted my creditworthiness and caused me significant distress. 
I have recently been notified that my credit information, including previous addresses, has been accessed by unauthorized individuals or entities. This information has been used to conduct credit checks without my knowledge or consent. I am deeply concerned about the potential for identity theft and the detrimental impact these unauthorized activities may have on my credit score and financial future. 
I request that the CFPB investigate this matter and take immediate action to remove all unauthorized credit information and inquiries from my credit reports. This includes, but is not limited to, the following : Removal of all unauthorized inquiries : I request the removal of any credit checks conducted without my consent from my credit reports. 
Removal of all unauthorized credit information : I request the removal of any unauthorized personal information, including previous addresses, late payments from my credit reports. 
Investigation of the source of the unauthorized disclosures : I request a thorough investigation to determine the source of the unauthorized disclosures and to hold any responsible parties accountable. 
Implementation of measures to prevent future occurrences : I request that the CFPB work with credit reporting agencies and other relevant entities to implement measures to prevent future unauthorized disclosures and credit checks. 
My request for the removal of unauthorized information is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802. This law prohibits the reporting of inaccurate or incomplete information on credit reports.

I am also available to provide any additional infor
mation that may be helpful to your investigation.

Thank you for your time and attention to this matter. I urge you to take swift and decisive action to protect my financial privacy and creditworthiness.
Product: Credit reporting or other personal consumer reports

The following information currently listed and showing on my Certegy Consumer Report is a fraudulent transaction and not my transaction : XX/XX/2023, XXXX, check number : XXXX, in the amount of {$270.00}. Certegy Claim Number : XXXX and Certegy Case Number : XXXX. I filed a police report on the fraudulent transaction. The police report case number is : HPD : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card

Today, XX/XX/2016, I was notified that Capital One received a report of possible fraudulent activity on my account. I requested the source of that information and was told that such information was not available to the person who assisted me, XXXX, a Fraud Department Supervisor. I was told that my current credit card is being replaced even though I have paid my account balance in full for the past 4 months, or the duration of having the Capital One Platinum credit card. the actions of the company seem to me arbitrary since the company is unable to provide the source of the compromise. I believe that there is possibly no justifiable reason for the action of re-sending me a credit card due to the fact that the company is unwilling to disclose the source of the information stating that my information has been compromised. I am unaware of the rationale for the actions conducted by the company and would like full disclosure for the reason for why my account may have been compromised.
Product: Consumer Loan

PCMB company deceived my mother Monday XXXX XXXX 2016 in the XXXX. stating I left them her number to reach me at. which is a lie I spoke with them on XXXX XXXX 2016 stating I will resolve issue on Monday XX/XX/XXXX once I move money and that I will call them back. I know its against the law for debt collectors to call my mother she has nothing to do with my accounts. I think the should pay debt owed themselves to card company on my behalf for deceiving my mother which has nothing to do with this debt.
Product: Debt collection

was making payments on a monthly basis. I included the last 3 months, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. If you see the dates the checks were written, and deposit data, some months when we wrote a check, the previous check hadn't even cleared our bank account yet. Turns it over to collection in XX/XX/XXXX. I may have made the bare minimum that we could afford, why except payments at all? There is absolutely no reason he turned it into collection. I was, and am violated, humiliated and harassed by his actions. See all the documents enclosed, check issued dates, deposit dates. Example, check # XXXX was issued XX/XX/XXXX and deposited XX/XX/XXXX. This happened numerous times in the year XX/XX/XXXX alone. Again, the humiliation was, and is very stressful, along with the harrassment I am now receiving from the collection agency. I was literally violated and embarrassed. I was making payments on a monthly basis and all of a sudden turns it over to the aggressive collection agency. See documents enclosed
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i sent my original dispite letter U verified and updated it and it still shows inaccurate info I will show u the original credit report from the first dispute and down below and the second report u verified and updated which still has inaccuracies on it coordingly, as per the FCRA you were required to conduct a reasonable investigation and correct or delete the disputed information as I requested before the end of the 30-day period of t n which you received my dispute letter on XXXX XXXX had 30 days to fix this and it's still inaccuracies after the reinvestagation your time to verify has expired i demand deletion of the late payment and I demand u send me XXXX check in mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX for violation of my consumer rights or instead of giving me XXXX in mail just reinstate my account on both of my XXXX accounts and increase the limit by XXXX but either way removed the late payment or l will take legal action accouts name XXXX accounts number XXXX please cfpb help
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately CAPITAL ONE AUTO FIN Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

Improper credit reporting can have serious consequences for consumers, affecting their ability to secure loans, mortgages, and even job opportunities. Ive discovered inaccurate entries on my credit report, it's crucial to take action. I recently looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a 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. The following accounts are not complete and accurate. 

XXXX XXXX Account number XXXX XXXX  Account number XXXX Also, according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times did I tell you to removed these accounts from my file as they were fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX have 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 card or prepaid card

The financial institution claims they have no records of me having late payment reported to credit agencies and me eventually disputing the late payment. These accounts were closed ONLY AFTER I disputed late payments when I first opened these accounts over 4 years ago. These were then closed afterwards in retaliation to my dispute. I did not use the cards because I was waiting for the 'lates ' to fall off my credit report, which they never did despite remaining being present on my credit report for years after. Once the 'Lates ' were disputed, the financial institution took retaliatory action and closed my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 



Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Enclosed : copy of State ID