23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The first 4 accounts do not belong to me, I have tried reaching out to credit reporting agencies to get this accounts off my credit report and nothing has happened, also XXXX was for my XXXX  and I had perfect paymnt history and I traded it in for what I have now, I was never late on my XXXX  and that reflects late on my credit report. I also seen many credit inquires an which I did not apply for credit with these companies. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies and accounts are in direct violation of my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX.This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX  line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate information on my credit report and I disputed with the credit bureaus I talk to a supervisor Name XXXX he told me If I didnt like the results from the reporting agency he told he me even though the information I disputed is incorrect if the creditors tell them that it is correct even though they can verify that it is indeed in accurate that the credit bureau still has to report the in accurate information as accurate And then he told me that if I did not like the results then I can go and complain to the CFPD According to the SCRA if I dispute in accuracies on my credit report OK and the credit bureau cant even verify that the Information being reported by the creditor is in accurate then according to the SCRA the credit bureau must remove the in accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX, equifax and XXXX  regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.
Product: Mortgage

On XX/XX/XXXX, I signed the papers for my newly constructed home. One year later the home began showing structural damage. The floors sank, there were cracks in the ceilings and in the walls, the ceiling sagged, a load bearing wall was protruding and many other things that should have never happened with a newly constructed home. The warranty I received on the home would not cover the structural issues. The builder would not cover his workmanship warranty. 
After research, in XX/XX/XXXX, I found that the builder was an unlicensed contractor. In the state of TN, it is illegal to build and sell homes when you are unlicensed. I have contacted the City of XXXX and the State of TN to report the unlicensed activity. The builder got out of the legal implications by saying he built the home for his family and decided not to move into it. 
This is my final recourse for my home, which I foreclosed on because I could not afford a lawyer or to finance the costs of the repairs. 

I would like to report that in my closing documents, there was no disclosure given to me that this home was built by an unlicensed contractor. This, in all meanings of Material Defect Disclosures, is a material defect. 

This information should have legally been disclosed to me as the purchaser. So that I would have been able to make a decision to purchase a home that costs me {$120000.00}. 

Due to this negligence of non-disclosure of a very important Material Defect, I have foreclosed on the property and will have to live with this on my credit report. This was an unfair and deceptive act on the part of the builder and he should be held liable for this property and breach of contract.
Product: Credit card

Recently Chase sent a letter in response to one of my complaints, where they said they place a fraud block on my account on XX/XX/year>. However, I noticed that my account was blocked on XX/XX/year>. I reported the issue to both Amazon and JPMorgan Chase. 

The lack of transparency and honesty here raises a red flag.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act the list below g Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed a debt collection on my report for an amount of {$14000.00} for a car loan. On XX/XX/XXXX I wrote to Experian, I wrote to XXXX on XX/XX/XXXX, And on XX/XX/XXXX I  wrote to XXXX. I wrote to them sending them proof that this account must be deleted from my credit report because it was reporting inaccurate information. And on XX/XX/XXXX I received a letter from XXXX explaining their investigation procedure. On XX/XX/XXXX Experian informed me that the information I disputed had been updated. And XXXX NEVER RESPOND TO MY LETTER WITH ANY STATEMENT NOR LETTER. So on XX/XX/XXXX, I wrote to XXXX XXXX requesting a debt validation for this car loan which they say I owe. They sent back a letter stating I need to give them further information from the credit bureaus in which they are the ones reporting this inaccurate information to the bureaus. Shouldn't they have the information that they are reporting on my credit file? So on XX/XX/XXXX I wrote XXXX XXXX, AND EXPERIAN THE SAME LETTER SENDING THEM PROOF THAT THEY WERE REPORTING MISLEADING AND INACCURATE INFORMATION ON MY CREDIT REPORT FROM XXXX XXXX. After I requested in writing from XXXX XXXX TO VALIDATE THE DEBT IN QUESTIONED. AND THEY HAD NO RECORD OF THIS INFORMATION AND THEY STILL COULD NOT PRODUCE A VALIDATION BEARING MY SIGNATURE. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request full removal of this debt associated with any of the credit reporting agencies ASAP
Product: Credit reporting or other personal consumer reports

An unknown account has appeared on my credit report, and I suspect it may be linked to identity theft or fraud.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
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 XXXXXXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$4500.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I dont owe any evictions payments on my account any delinquent or closed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report 60 days ago.I have not received as reposnse yet and seems as if my disputes being ignored
Product: Credit reporting or other personal consumer reports

Im reaching out to you because Im at my wits end with XXXX and XXXX. Despite providing them with everything under the XXXX reports, identity theft affidavits, and even proof that XXXX already removed the fraudulent accountthey still refuse to remove this bogus debt from my credit report. 

Heres the situation : I was a victim of identity theft, and someone used my information to purchase a vehicle in Ohio while I was living in XXXX. I have never, and would never, buy a car from another state while residing in a different one. Ive explained this to XXXX and XXXX multiple times, and I even backed it up with documentation proving I wasnt living in Ohio at the time. Yet, here we are. 

XXXX, after their investigation, immediately recognized this account as fraudulent and removed it from my credit report. But for some reason, XXXX and XXXX are dragging their feet. To make matters worse, I just received a collection letter from a third-party agency trying to collect {$28000.00} on behalf of XXXX XXXX XXXX for this same fraudulent debt. This is crushing my credit, and I cant use my credit for anything because of it. 

Im particularly frustrated because of the recent response I received from XXXX. They told me to check my credit report for the results of my dispute. The problem is, Im not convinced theyve done any real investigation on their end. It feels like theyre just brushing me off, which is why Im turning to you.

Theres also something I want to bring to your attention. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court made it clear that if one credit bureau removes inaccurate information after a proper investigation, the others must follow suit. So, why are XXXX and XXXX still reporting this fraudulent account when XXXX has already removed it? It doesnt make sense, and its completely unfair. 

I hope you can help me get this resolved. Ive been through enough with this identity theft mess, and its about time these credit bureaus did the right thing. This is about more than just my credit score ; its about getting my life back on track without this unjust burden hanging over me.

Thank you for your time and attention to this matter. I look forward to your response and hope this complaint brings some much-needed resolution.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax , XXXX XXXX XXXXXXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

The Collection agency is called ( Credit International Corporation ). Whenever their agent contacts us, they refuse to provide information and insist on immediate payment. When we inquire about the amount or the case, they claim ignorance. Despite requesting to speak with a manager multiple times, we have not received a call back, except for one occasion where a manager provided some information and we made a few payments. Subsequent attempts to contact the manager, XXXX, via email were left unanswered. When we spoke with the agent, XXXX XXXX, he informed us that she is no longer in his department or his manager.

Today, upon reviewing my personal credit report, we discovered an attached account filed by Credit International Corporation for $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted multiple letters about the 90 day late notice on my report thats incorrect from XXXX XXXX. Attached is a bank statement showing I made my auto payments every month and I never missed a single payment. I appreciate ally for approving me for a auto loan and even though I went through a bankruptcy that this vehicle was included in I never misseda single car payment even after that and paid this vehicle off in full.
Product: Credit reporting or other personal consumer reports

There are accounts that are not mine and a few accounts that are charged off with balances still owing, How can that be when they issued me a 1099 for it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX Acct # 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 or other personal consumer reports

[ Consumer Financial Protection Bureau ] Subject : Formal Complaint Pursuant to 15 USC 1681 I am writing to file a formal complaint regarding potential violations of the Fair Credit Reporting Act ( 15 USC 1681 ) by XXXX XXXX XXXX. I believe that my rights under the Act have been violated due to 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. 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. 
As Per the Federal Credit Reporting Act as a federally protected consumer, in accordance with 15 USC 6802 I am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXXXXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX XXXX XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. 

I have attached supporting documentation, including copies of relevant credit reports and correspondence with the company, detailing the inaccuracies and discrepancies in my credit report. I have made multiple attempts to resolve this matter directly with XXXXXXXX XXXX XXXX but have not received a satisfactory resolution. 

Under the provisions of the Fair Credit Reporting Act, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report and ensure that XXXX XXXX XXXX complies with all relevant provisions of the Act. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me if you require any further information. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in contact with this company in XX/XX/XXXX about their incorrect charge from a management company. I was spoken to very rudely each time I tried to explain the problem. I finally sent them a letter explaining that I didn't owe the money and I even sent the letter 60 day notice letter I had given to the original management company I also sent a cease letter at that time. Ultimately at that time all calls stopped and the erroneous information was removed from my credit file. However the information reappeared on my credit file in XX/XX/XXXX and all calls begin again. I contacted the original management company and was they have no record of the debt. I have disputed this at least 3 times with the credit bureau but they continue to them this is mine. How were they even able to put this back on my credit after several years?
Product: Debt collection

At this time, I am offering a settlement to the Capital One debt purchased by XXXX XXXX XXXX, XXXX in 2018. I lost thousands of dollars from the Covid-19 shut down, and I am just getting back to work. I ask XXXX XXXX XXXX, XXXX to accept as a one-time settlement {$1700.00} of the current balance of {$4400.00}. However, I want it stipulated that I believe Capital One Bank N.A. never gave a full contractual agreement of this debt in question, and that I could with the right lawyer end up with the debt being dismissed altogether. A purchased debt agreement can not be back-dated under any circumstances, and that would be within federal restrictions under the Fair Debt Collection Practices Act. However, if I receive a verbal acceptance of my settlement offer within a reasonable time period, I will waive any rights I maintain to legally challenge the validity of the XXXX XXXX XXXX, XXXX claim. My phone number is posted in this CFPB request to monitor XXXX XXXX XXXX adherence to FCRA and FDCPA requirements on the collection of debt, and the CFPB constant research into the voluminous fraudulent activity into what the Federal Trade Commission consider XXXX debt collections. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the account on my credit report was incorrect when I reviewed it. The 3 credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and fixed XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Older adult students are being punished in the XXXX program. Periods of time that we are employed at a XXXX qualified employer while going to graduate school and making payments on our undergrad loans, we are not getting the credit for those payments. When the new XXXX waiver rules came out they said all payments would count. Now they have said its only while the loans were in repayment. I was told years ago that I did not have to take the loans out of repayment that I could keep paying on them anyway. I was also removed from XXXX for a period of time and told I would have to start over so I gave up until this waiver came out. This was after struggles where I asked to have the automatic in school deferment removed but it kept coming back. In addition, none of the payments made before I consolidated loans are being counted either. Lastly, if students who did not pay what they should have are getting their payments counted, why arent ours counted when we did pay?
Product: Credit card or prepaid card

I made a payment on the Synchrony Bank CC portal. They took the money from my checking account but will not post it to my credit card account for 5 days! They are holding my money hostage.
Product: Checking or savings account

On XX/XX/year> I received an incoming deposit of {$76.00} from an international airline due to expenses incurred during a flight disruption and was charged a {$15.00} fee which represents nearly 20 % fee on the transaction amount. There are no free alternatives such as deposit via check or ACH given the international counterparty involved. I have spoken with the bank given the high fee amount relative to the transaction amount and lack of alternatives and was told there was nothing they could do due. The minimum fee schedules have not been inflation adjusted and this fee relative to the transaction amount is not in the best interest of the consumer. 

Case number : XXXX