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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Ive been told I owe XXXX to a XXXX XXXX XXXX by NCS inc. Ive already told them on the phone and written letter that it is not my debt and most likely an accounting error. Ive asked them to stop harassing me over the reported debt because it is not mine. I recieved a statement from the creditor showing past purchases with amounts and dates. The statement also defends my claim that the amount is not mine and couldnt possibly be mine. All transactions leading up to the final amount which is disputed took place on a Tuesday. The day he came to our shop on his designated route. Was a Tuesday. All transactions that took place were paid in full the day of the transaction. The disputed transaction which occurred on a random Friday was also not paid for. My payment history and the transaction day of week history is more then enough to prove this debt was and is not mine. We would have never done business on a Friday. And since I had a COD account I would have never been able to charge an amount. Ive explained this to the collection service and asked them to stop harassing me and they still continue to call and send me letters threatening to damage my credit if I do not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Please verify all info is true, accurate, and correct incomplete name spelling, address of record of this account. 
DEPT OF EDXXXX XXXX Balance : {$3800.00}
Product: Debt collection

Over the past two years I've been erroneously hassled and harassed by the company Portfolio Recovery Associates LLC, in what appears to be improper and illegal collection policies. I've requested on numerous accounts that validation be provided in said debts that are owed, with no prevail. This company is inaccurately reporting information on my credit profile, and has failed to provide payment for my submitted invoice due to consumer violations.
Product: Debt collection

I applied for a car and I was told by the person I was in collections. For {$1400.00}. 
Ive recently been released from prison after 10 years.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had deleted XXXX XXXX XXXX XXXX account off my report now they reinserted it again on my report as of XXXX XXXX 2017. This account in the amount of XXXX was verified to be deleted. Now it 's back on again. I have been dealing with all 3 credit reporting agencies for months now. Once it has been verified to be deleted as it was it should not have been put back on my report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Student loan

I saw a shared post on XXXX saying StudentLoanDirect1.com could help with my loan forgiveness and debt consolidation. I was told to contact XXXX XXXX at XXXX. She explained how her businsss works and that they work with the Department of Education ( DOE ). It sounded legitimate. A few days later a friend told me they were scammed from a company just like that. After contacting my loan servicer and the DOE, I quickly learned that the company is a scam. They have my SSN, FSA ID, and credit card number. Even though they gave me a refund and claimed all of my info was purged from their database, I am still worried about my sensitive info. I also changed my FSA ID and notified my bank of the scam.
Product: Debt collection

we have received phone calls and text from a collection agency called MRS. they say we owe XXXX   money for equipment and services..we have never had any financial dealings with XXXX. we have never lived in the state of wisconson which is where they say we had sealings with XXXX.
Product: Credit reporting or other personal consumer reports

There is a Civil Litigation that took place out in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am disputing that this is either a case of identity theft or mistaken identity. I have never been to XXXX nor dealt with anything remotely. This was a misdemeanor record search for a pre-employment background check.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report I did not authorize nor I have no knowledge of. I dont even know this company called clarity. Yet they have made inquiries on my credit report. I asked them multiple times to delete and remove the inquiries, as of this day they have not provided myself or the CFPB of any proof I made or authorized these inquiries. They requested information from me by mail, I submitted the information its been over 30 days and almost 6 months now I have been trying to get responses from this company. They are constantly giving me the run around and wasting my time. Please remove the inquiries or show myself and the CFPB some type of proof I authorized these inquiries These are the items I'm demanding to be deleted immediately : I did not authorize nor do I have knowledge of this inquiry. Clarity Services A Part of Experian.. on behalf of XXXX XXXX now Inquiry date- XX/XX/year> Clarity Services a part of Experian ; on behalf of XXXX XXXX XXXX ; inquiry date XX/XX/year> They are not doing any investigation I am getting computer generated replies. This is frustrating they are not doing any investigations just wasting my time
Product: Debt collection

Medical Business Bureau was disputed and it was removed from my credit report. They then added themselves back on my credit report without notifying me in writing. I have sent this company a dispute letter directly to have this incorrect information removed. I am now at the point of legal action if this is not removed with both this company and the original creditor as this is inaccurate information. As of this date they have failed to respond to my request. The law stipulates that they must investigate within 30days of receiving my letter. They have no followed the stipulations of the law. I will contact the federal trace commission and advise them of your apparent disregard for consumer protection laws.
Product: Credit reporting or other personal consumer reports

I just check my trans union credit report, and i saw 2 inquiries which one not authorizing someone using my information to get credit card loans on my name please remove those two inquiries from my credit report XXXX Reported on XX/XX/year> XXXX Reported on XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times with Equifax and provided detailed information but Equifax continues to report XXXX XXXX XXXX accounts on my credit report as well as XXXX XXXX XXXX. Also its noted on file with CFPB that XXXX XXXX XXXX never submitted any contract that I had with the company and they would note a cease and desist. Also on file XXXX XXXX XXXX has yet to provide anything pertaining to me or the name that this company is using.
Product: Debt collection

I had XXXX lines I cancelled XXXX line ( main ) then kept the second due to I would get charged early cancellation fee. However the main line was and had control of the second line thus I could n't change/pay or control my account. So I had no choice but to go to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX HARD INQUIRIES : - XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX   XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX, FL XXXX ( MAI ) L O-NLY COLLECTIONS : - XXXX XX/XX/XXXX {$360.00} - None provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX TRANSUNION HARD INQUIRIES : - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX   XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, OH XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 XXXX PayPal account was shut down unexpectedly without any explanation. PayPal ( Ref ID - XXXX ) All of my money {$280.00} from my online sales that I made from selling a digital product was held unlawfully and I am being told that I can't access it until 6 months from now. I own a legitimate business registered with the XXXX XXXX XXXX XXXX and all of my sales were legit and came directly from my website XXXX and my leads for the sales were directed from my social media account. I did not violate any user agreement but still, my account was shut down because of the ( potential ) risk of violating a user agreement. This decision was made without any proper investigation of my sales.
Product: Credit card

Milestone Credit card emailed me a couple of times since 2023 offering me a credit limit of {$700.00}. Last XXXX I tried applying it but they emailed me that my application is not complete because I need Government issued ID to be mailed or fax, but I disregard the application. But last week when I was checking my mailbox I received a card from them with a {$700.00} credit limit, I used it in the grocery store not knowingly that as soon as I used the card they will charge me of {$170.00} annual fee. Its not a problem paying annual fee but its too early to charge customers that is supposedly annual fee will be charge on your 1st year of using the credit card. And also they charge too much {$170.00} is too much for a {$700.00} limit. I called the customer service but they said they can't help because im requesting to waive the annual fees. Please Help me
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received validation from XXXX XXXX that there has been an error on their end in reference to account payments and reporting. Due to this error, it has caused all three credit bureaus Equifax, Transunion, and Experian to report this error on my consumer report resulting in late payments and past due balances.
Product: Credit card

Bank of America is continuing to harass me with phone calls for a credit card that actually has a negative credit balance on the card ( i.e., two payments were credited to the card, one made some time ago and another recently, so now effectively Bank of America owes me money ). On XXXX XXXX, 2015 at XXXX EST a representative of Bank of America called from XXXX, identified herself as " XXXX '' and wanted to discuss a recent complaint that I filed with the CFPB. I said " Fine ''. She then said that she wanted to record the conversation and I agreed, but when I stated to her that I would also like to record the conversation she declined. So apparently what 's good for Bank of America is n't good for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I  recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services. I have no idea who could have stole my identity but i am being seriously affected negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove/Block these fraudulent accounts from my credit report in 4 days of receipt. I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Ive reached out to this company more than 4 times in the past 3-4 months and STILL havent received any assistance. To submit a ticket, they request a screenshot, but their system wont allow attachments and always throw back an 403 error. Ive explained multiple times that my email is full and will no longer accept emails on the email address I initially registered with. Additionally, I setup 2 factor identification, but I no longer have the phone number associated with the account and have been unable to login to the account to update any contact information for myself. Ive been patient, but this company takes money out of my checking account every XXXX of the month but are non-existent when it comes to providing customer support to their users.
Product: Debt collection

This debt I owe was a XXXX  of identity theft and they need to take it off.
Product: Credit reporting or other personal consumer reports

Credit card through bank opened XXXX. 

Defaulted XX/XX/XXXX. Individual charge card. 

Has Me listed as making XXXX payments recently of {$1.00}, {$5.00}, and {$0.00} Its an obvious attempt at re-aging this account which has never been brought current in XXXX XXXX. Disputed through XXXX and I took XXXX XXXX  for them to verify as accurate. 

How? {$1.00} looks accurate?
Product: Credit reporting or other personal consumer reports

i would like the discrepancy on payments be put paid as agreed as those late payments are not correct. as you can see i have them all marked in red I would like the credit bureau to furnish me the procedure they went to to get information about bankruptcy that is showing on my report, the source of information asnd how they were able to get that information. 
I would like the bureau to send me a copy of the contract of all the accounts of my report with signatures that were signed with copy of the drivers licence, social secuirity card and Id to validate if those accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There wrong personal information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX found in my reports with XXXX, XXXX and TransUnion credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Checking or savings account

On XX/XX/24 I received an email at XXXX est that my account was in danger of being closed and that I needed to contact chase. I called and spoke with multiple reps who told me I had to wait 10 business days to receive my money from the account and they refused to tell me why the account was closed. I have {$1300.00} in one account and {$180.00} in another account with a direct deposit of over {$1600.00} scheduled to arrive on XX/XX/24. Chase has refused to allow me access to my money. They waited until Friday afternoon when branches were closed to close the account. This is causing a substantial hardship and without access to funding I cant feed my family or get to work. I can accept my account closing but chase does not have the right to withhold my money from me.
Product: Debt collection

XXXX XXXX XXXX from XXXX XXXX XXXX sent a bill for {$640.00} to a collection agency that ruined my credit score for a emergency room basic procedure of stitches from 4 years ago that was covered by medicade to a group namedXX/XX/XXXX and never tried to tell me they were attempting to collect the money so I could pay or give them my insurance information again. They waited until I started building my credit history and score and then put a derogatory mark against me that destroyed everything I worked to accomplish paying my bills on time as a young adult for many years. Im highly disappointed and frustrated and frankly insulted that they did this to me.