23daVinci/CFPB_Complaints huggingface dataset:
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX 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: 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ). ( XXXX ) : Account # XXXX XXXX {$2200.00} XXXX. XXXX ( XXXX ) : Account # XXXX, XXXX {$1400.00} XXXX. XXXX XXXX XXXX : Account # XXXX, Amount {$120.00} XXXX. XXXX XXXX XXXXXXXX : Account # XXXX Amount {$100.00} 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 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

today i logged into my credit file to see JPMCB CARD is reporting a debt of {$1000.00} to credit reporting bureaus, i have never done business, signed any contract or documents with JPMCB CARD or anyone they are collecting for, I do not wish to contract or do business with JPMCB CARD.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account XXXX : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I applied for a loan on a used XXXX XXXX and was denied because of a credit score of XXXX on XX/XX/XXXX from SageStream , LLC. 
My credit score through XXXX  was XXXX. 
I want to know why SS, LLC gave such a low credit score. 
I want a copy of my credit report from SageStream , LLC but they want every piece of info about me and Im not comfortable giving all that info to a company Ive only heard negative information on. 
The application number on the denial letter is : XXXX. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

there are several names and address wrong affecting my credit history i sent it to the credit bureu Equifax my social, drivers license and also a bill confirming my info but they did not delete the incorrect items in my report
Product: Credit card or prepaid card

I disputed a charge with my credit card issuer, Capital One. The disputed charge was for items not received as described/incorrect item, billed on XX/XX/22. for {$380.00}. The merchant from which the item was purchased was XXXX who did not rectify the issue. I filed a dispute with Capital One regarding this transaction on XX/XX/22. On XX/XX/22 I received a letter from Capital One stating that more information was needed as XXXX had reported to Capital One that I had not reached out to XXXX. Capital One requested a copy of the invoice, information/evidence to support how the merchandise ordered differed from what was received, a statement that included the number of times the merchant tried to correct the problem, a description of how I tried to resolve the dispute with the merchant, and finally " a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what it will cost '' to be provided by XX/XX/22. I provided the original order invoice/receipt, a detailed letter outlining why the merchandise I received was incorrect, pictures of the item/how it differs from what I ordered, evidence of correspondence with XXXX, and details of what my interactions with XXXX on XX/XX/22. The only thing I could not provide was the second opinion on company letterhead from a merchant in the same field. This to me is an unreasonable request from a consumer ; how am I expected to have a signed letter from a merchant similar to XXXX on company letterhead to provide a second opinion within 3 weeks? The entire point of the dispute is that Capital One is the second opinion in the matter ; I should not have to provide a second opinion. Capital One responded on XX/XX/22 denying my dispute as it " lacks all of the previous requested information. '' I provided ample evidence of XXXX wrongdoings in the dispute with photographic evidence of the item in question, copies of XXXX policies, and proof that XXXX had lied to Capital One when they stated I had not filed a claim with them. This should be more than enough to validate my dispute and a consumer should not be expected to provide a " second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what it will cost '' as this is unreasonable, especially when considering the merchant in question is an entity such as XXXX.
Product: Debt collection

PORTFOLIO RECOVERY ASS has been trying to collect an account for   XXXX   XXXX   Credit card that does not belong to me. They have been sending me letters and placing threatening phone calls to me trying to force me to pay a debt that   XXXX   XXXX    turned over to them that is fraudulent and that was opened in my name as a result of identity theft. I have made them aware that this account was fraudulent and I have made   XXXX   XXXX   aware as well, however they continue to contact me and continue to make threats against me. They have told me that I could be arrested for not paying this account to them even though they are fully aware that this is a fraudulent account just the same as   XXXX   XXXX   XXXX   is aware that this is a fraudulent account. I have supplied both   XXXX   XXXX   and Portfolio Recovery ASS copies of my police report, and identity theft Affidavit, but they continue to refuse to close this account from my name and continue to try to force me to pay this fraudulent account by telling me that I can be arrested even thoug the account does not belong to me. The partial account number for the account is  XXXX . They have this account placed against all  XXXX  of my credit reports and are defaming my character by continuing to report this fraudulent negative account against me which is both willful and malicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX  and ask them to send me a copy of the signature of the original loan paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Equifax keeps saying it was verified I have asked Equifax to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXX XXXX I never took out a loan for {$5000.00} from XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and experian keep reporting inquiries from car companies and loans that Ive disputed over 5 times with them reporting back within a week saying it belongs to me. ive already sent proof of police report of my car with purse inside was stolen and that ive been a victim of identity fraud but theyre not doing any investigation just using third party verification like XXXX XXXX to try to say it was me.
Product: Credit card

I received a letter stating that my account would close in XXXX, XXXX, I have never applied for any credit cards with Bank of America, so this card was open by the bank with a XXXX credit line that has never been used it was opened in XXXX I never did a credit card application for this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting

Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX XXXX XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Citi bank to dispute a charge on my Costco/Citi bank card , which they canceled the charge then resent another card. Three days later I had another fraud charge on the new card ( which was never activated by myself ), I again called Citi bank who canceled my whole account instead of my card. Now they state they can't reopen my account, but also are refusing to issue my rewards that I have earned from last year. They claimed that since the account is closed, their terms state that the rewards are forfeited. The account was canceled in error by one of their employees and was never requested by myself. I have had the card for almost 10 years and have paid the card in full every month.
Product: Debt collection

I am filing a complaint against this collection agency due to shady and unprofessional collection tactics. I had previously reached out to them because they obtained an old medical bill for services in XX/XX/XXXX and reported it to XXXX. This bill originally belonged to XXXX XXXX XXXX for {$200.00} which does billing for XXXX facilities and not XXXX XXXX as this agency reported. I had made a payment arrangement with XXXX of {$15.00} a month and the rep that I spoke with years ago advised that it would not be sent to collections. At the time that service was rendered at XXXX XXXX XXXX, I was unemployed and had no insurance. Then my account was sent to collections with no notification ; only the negative account on my credit report. Fast forward to XX/XX/XXXX when I discovered this collections account, I spoke to one of their reps, XXXX. I gave her my new address and contact information. She advised, " that if I paid this bill in full, she would definitely remove this account from my credit report. '' I researched this collection agency and they have a multitude of complaints filed against them. They have an F score with the BBB due to  deceptive collections tactics which are strictly forbidden by the Fair Debt Practices Collections Act ( FDCPA ). Since I was suspicious of the rep 's offer, I sent her a Pay for Delete Agreement letter and asked for her written confirmation or signature as an assurance that she would fulfill her verbal agreement. Needless to say, she denied my request and therefore I withdrew my offer. This collection agency is renown for lying to consumers just to collect on a debt. I just checked my credit report today and this agency is still reporting this adverse account which is affecting my credit score.
Product: Mortgage

Primary Residential Mortgage Inc. has a policy if for some reason a payment does not go through as was in my case where there is an automatic payment setup and sometimes the check can bounce even for {$1.00} for which I take a full responsibility for. However, in this case they have a policy when that happens, I have to go on 6 months certified payment method, where I have to physically get a certified check pay a fee for and then mail it which is usually certified mail and adds upwards to {$25.00} in fee per check per month for the duration of 6 months. Now the understanding and communication I received at the time was you need to send us 6 certified check for 6 months starting in XXXX as they wouldn't take a regular bank check. I sent them total of 6 certified checks since XXXX however when I called today and asked if I can pay over the phone for XXXX mortgage, thinking that I complied with their policy by sending 6 certified checks for 6 months I was notified that the lock was in place until XXXX, which means that I have to send additional 2 months of certified checks. I found that misleading and manipulative, as the XXXX of the month is the cutoff for late fees, but the fact that I have to go physically in a branch pay the fee get the check and then go to the post office pay another fee in order to mail the check. I did my repentance and for them to extended as they see it fit is not fair, it feels like the goal post moves constantly and communication is not clear. They can have all the policies they want under thXXXX XXXX XXXX if they ask for 6 months 6 certified checks, that should put me back in black, I really don't understand why are they making things so difficult when it comes to payment, if a consumer wants to pay, take the money stop finding ways and excuses which makes things more complicated than they should be, especially when we live in a world of digital instant money transfers. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, KY, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN, XXXX, XXXX XXXX XXXX Balance : {$670.00}, XXXX  XXXX XXXX Balance Owed : {$510.00}, XXXX XXXX Balance Owed : {$8100.00}, XXXX XXXX XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is counting XXXX as active debt and 120 % towards my credit utilization. It was legally agreed upon a price to mark this as paid. Remove the account and stop counting towards my credit utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 604 a section 2 can not furnish my account without my written instructions
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH. UPON LOOKING AT MY CREDIT REPORT FOR EXPERIAN, EXPERIAN IS VIOLATING MY RIGHT TO PRIVACY. UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I HAVE A RIGHT TO PRIVACY. 
MY INFORMATION AND ALL LISTED ACCOUNTS BELOW HAVE BEEN AFFECTED IN A DATA BREACH. I HAVE NO KNOWLEDGE OF THAT I HAVE NOT IN ANY WAY SHAPE OR FORM SEEN. PLEASE DELETE THESE ACCOUNTS. 


XXXX XXXX XXXX with account # XXXX opened on XX/XX/2017 and a balance of {$350.00}. 
XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}.
Product: Student loan

A Perkins loan through XXXX College went into collections. 

I have been paying my student loans and was unaware the Perkins loan was handled by a different agency. The school and the collectors, claim they contacted me with the last known address, in XXXX, New York. However, that address has not been my address since XX/XX/XXXX ; per my drivers licences. At that time I was still attending XXXX College and they had my updated address. This is evident by the request for donations they sent me after my graduation in XX/XX/XXXX and the address to which they delivered my diploma. In XX/XX/XXXX-XX/XX/XXXX I updated my address to my current address and continued to receive alumni information and request for donations from XXXX College. 

A couple of weeks ago, I received a call from a debt collector about the Perkins loan. The collector informed me the loan had gone in default within the last 24 hours and they were calling to confirm my phone, address, and the loan. All of that information they had. 

I believe XXXX College, and the companies acting on their behalf, failed to make a responsible effect to contact me regarding my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX company, account # XXXX XXXX XXXX XXXX has violated my rights. 

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

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

Deposit was not in bank account on pay day. Called no one had an answer to when issue will be resolved. Capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX.The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX of XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX & XXXX XXXX  Date of inquiry XX/XX/XXXX,