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

Chrysler Capital keeps increasing the balance on my credit report and it was charged off with profit and loss in XXXX. I have made payments in XXXX in attempt to settle but was unable to continue after 2 payments. When I call Chrysler Capital they always have a new balance that never decreases.
Product: Credit reporting or other personal consumer reports

My identification and social security card were taken and someone opened several accounts fraudulent accounts using my identity I opened an account at XXXX XXXX  which closed my account 3 days after opening the account they notified me of information that XXXX reported a XXXX XXXX  account was opened fraudulently also a XXXX XXXX XXXXXXXX a XXXX XXXX account and a XXXX XXXX XXXX credit card and a XXXX XXXX  checking account and a XXXX XXXX credit card account the person whos stole my identity has been pulled over driving and has claimed to me and has gotten tickets in my name as well i would like to dispute this information and any negative remarks that may show up from the banks i mentioned to be removed do to identity fraud and any negative remarks on all credit reporting agencies to be removed so my rights as a consumer are not violated any further thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I contacted the collection agency and original creditor who have contacted me last year, in good faith, to inform them that they are attempting to collect from the incorrect person with a similar name. I checked my credit report yesterday and I noticed that this collection agency has placed this debt on my report as well as false information to the credit reporting agencies. I have never had an account with this agency or the original creditor. 

This here is a XXXX and last attempt for this company to remove all personal information including, false name, phone number ( s ), address ( es ) and debt they have furnished from all credit reporting agencies. This agency is in violation of of the Fair Debt Collection Practices Act Section 807. False or misleading representations [ 15 USC 1692e ] Section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Any attempt from this agency to contact me other than to apologize for ruining my credit and to remove their false information from my credit reports, will be seen and used as false statements of their misrepresentation that I owe them as well as false information provided to the credit reporting agencies. This agency has 30 business days to remove all information they have furnished to all three credit reporting agencies including, name ( s ), address ( es ), phone number ( s ) and false debt. If this agency does not comply with the law, I see no other option but to file legal action against them. 

Further, this agency has violated the of the Fair Debt Collection Practices Act Section 805. Communication in connection with debt collection [ 15 USC 1692c ] ( b ) COMMUNICATION WITH XXXX PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Due to their violation of the law, I, a third party, now have the consumer 's information including their debt, phone number, name and address. These violations need to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Safe rent has sent me a report of my consumer credit report which shows inaccurate residential addresses on my credit profile that has already been addressed and resolved with the major credit bureaus. Safe rent credit profile has pulled residential information from XXXX that is not correct/accurate that should not be listed.
Product: Debt collection

On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 or other personal consumer reports

Dear Experian Dispute Center, I am writing to formally dispute and seek the correction of inaccurate address information on my credit report, specifically in accordance with Metro 2 compliance standards. The reported address in question is : XXXX XXXX XXXX XXXX XXXX, NJ XXXX It has come to my attention that this address entry does not align with Metro 2 reporting guidelines. In light of this, I am seeking your immediate attention to investigate and rectify this discrepancy to ensure compliance with the established Metro 2 Reporting Format.

In accordance with Metro 2 guidelines, I am prepared to provide supplementary documentation for address verification. Enclosed herewith is a copy of my cell phone bill, which serves as an alternative verification method meeting the requirements of Metro 2 reporting.
Product: Credit reporting or other personal consumer reports

Despite my diligent efforts to rectify inaccuracies in my credit report by submitting disputes to XXXX, Equifax, and XXXX, they have flagrantly disregarded their legal obligations under the Fair Credit Reporting Act ( FCRA ). It has been over 30 days since my initial dispute, yet they have failed to provide a response or take corrective action. This blatant violation of federal law is unacceptable, and I demand immediate resolution. Attached are copies of all correspondence sent to substantiate my claim.
Product: Credit reporting or other personal consumer reports

I am a survivor XXXX XXXXXXXX XXXXXXXX who has left the XXXX  situation and in doing so the credit bureaus have not been helpful they have fraud identifiers on my report causing credit application denials and refusal to correct and delete errors on my report instead the lock me out and send erroneous information to third parties and discuss my personal information with other individuals like my XXXX husband I have contacted several times to have corrected they send info sign on here sign in there and it's either a totally different report with someone else 's name or a report that does not open all I want is my current correct address phone email updated on my credit reports all other information completely removed and all fraud related indicators on my report of any kind removed especially those stating that my current information phone address email are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit protection but it wasnt activated after I lost my job XXXX XXXX XXXX  was supposedly to activate I called in and nothing credit protection is sto protect your credit score According with the fair curtain reporting act This creditor has violated my rights under 15 usc 1681 Section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B a creditor may not treat be a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

sent in an identity theft affidavit ( certified ) and still have been ignored. Equifax did not produce any physical documents in re to the fraudulent accounts/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 ACCOUNTS XXXX XXXX MORTGAGE XXXX XXXX XXXX BANK XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified another lender that these are not categorized as 'educational ' and thus highly penalized, such that they would not extend credit based upon them being classifying as general unsecured installment loans. All advertising states that these are student loan refinances and states '1 The terms of this loan may differ from terms of your current loan ( s ). For example, this loan does not contain special features such as forbearance periods or income-based repayment plans available for some student loans. If the debt you are refinancing was all incurred for qualified higher education expenses or to refinance a qualified education loan under the Internal Revenue Code, the interest you pay on this loan may benefit from certain deductions thereunder, and it may also be the case that this loan will not be dischargeable in bankruptcy. ' I asked that the 3 loans be correctly categorized as 'educational ' / 'Student Loans ' as opposed to 'OTHER LOANS '.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I filed a complaint with the CFPB about TransUnion, complaint number XXXX. I have asked TransUnion to update my address now multiple times. Every other company in the world has been able to do this, including the other credit reporting agencies, but TransUnion refuses to do it. 

TransUnion 's response was that they " need '' proof of address. I do not have utility bills, and I am not sending them a bank statement. TransUnion said they keep all my information safe in the US, which a total lie because every single call I place with them goes to XXXX. You can fact-check this simply by calling them yourselves. The Fair Credit Reporting Act does not require me to send any bank information to them whatsoever, and I am not sending them a copy of my bank statement. 

Then, the CFPB just closed the case, without any input from me whatsoever, just because TransUnion wrote a response. 

I would also like to know why the CFPB closed my case before the matter was resolved. I asked for an address change, and TransUnion did not change it, so the matter is not closed. When I tried to hit the feedback button on the CFPB 's website, it did not work. Maybe the CFPB does not want any feedback about this?
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I was surprised by owing a large debt for electricity in a rental I believed I was not supposed to pay for. It went into collection, I realized I am actually responsible for the debt, and started dealing with my electric company regarding it. The power company informed me I can pay them directly, and bypass the debt agency. 

The number they are contacting is my work number. I have no idea how they got my work number, but they call it almost every day. I told them to stop calling it. They also send bills to my work address. I have a personal phone, and home address where my electric service was at, so it is odd they continue to call my work phone. 

I have asked them to stop, but it seems to do nothing. 
XXXX are only the calls I have recorded the dates/times ... there have been more. 
They call from the number : ( XXXX ) XXXX CALLS : XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST
Product: Debt collection

Springleaf Financial purchased this loan from XXXX XXXX some time ago. They sent me out notification of this taking place and asked at that time if I would agree to be contact by their personnel. I specifically said no and checked the box stating same on their form. Did n't matter, they contacted XXXX times after they received that back in their office. I also advised them that the amount owed is over 5 years old and collection of same is barred by Nebraska statute. I believe that the fines for contacting me after being told not to do so is up to {$1500.00} per occurrence.
Product: Debt collection

The collection ( {$3100.00}. XX/XX/2018 ) on my Transunion report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent Transunion the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems Transunion was NOT really doing any investigation on dispute and was not willing to fix their error.
Product: Credit card

Timeline of Events : XX/XX/XXXX : The account was opened by myself and securitized for value by Wells Fargo & Company ; the securitization was done without my knowledge or consent. 
I was not properly compensated for the securitization of the account, this constitutes a breach of fiduciary duties and contractual obligations. 

XX/XX/XXXX : I issued the initial notarized presentment to Wells Fargo, requesting : Processing of an International Bill of Exchange ( IXXXX XXXX XXXXXXXX ) to settle the alleged outstanding balance. 
A GAAP-compliant accounting detailing the accounts securitization, valuation, and associated tax liabilities. 
Return of funds from prior payments and misclassified bond payments. 
None of my request were honored, and no intelligent response was made by the company in correspondence to my notarized presentment. 

XX/XX/XXXX : I issued a second notarized presentment ( Opportunity to Cure ), reiterating previous demands and giving Wells Fargo an additional 14 days to respond, along with an additional XXXX to offset the account. 
I filed IRS Forms 56 ( Notice concerning fiduciary relationship ) and XXXX ( Power of Attorney ) to formally revoke Wells Fargos authority over the account and oversee tax matters related to the account. 

XXXX XXXX, XXXX : Wells Fargo failed to provide any intelligent response to the claims or requested GAAP-compliant accounting. 
A forensic audit revealed significant violations, including : Failure to disclose profits from the securitization and trading of the account on primary and secondary markets. 
Inadequate reporting of taxes related to the Original Issue Discount ( OID ).
Product: Credit reporting or other personal consumer reports

After disputing a medical collection through XXXX, XXXX and Equifax I received a debt validation letter from XXXX XXXX XXXX. The letter includes my treatment information and charges, my symptoms, my vital signs and more information about my health which is a violation of my privacy under 15 USC 1681 ( A ) ( 4 ) and includes multiple HIPAA violations. I have filed a complaint with HIPAA ( see attachments ) and now I am filing a complaint with the CFPB. This information should not be shared with a debt collector and therefor makes this debt invald and illegal.
Product: Credit card or prepaid card

On the XX/XX/2018, I purchased a product from XXXX XXXX and used XXXX XXXX XXXX XXXX XXXX XXXX for {$4200.00}. I paid dues regularly each month and on XX/XX/2018 I settled all outstanding balance of {$3800.00}. On XX/XX/2018 requested the bank to close my account. XXXX XXXX from the bank confirmed on XX/XX/2018 that my account was closed. 

On XX/XX/2018 I got a call stating that my account is in collections as I haven't made payments for 2 months. I logged in and saw that an amount of {$71.00} is due. After I closed my account an interest of {$15.00} was applied with late fee charges each month! I don't understand how can a bank do this after closing an account. I have saved a copy of all secure message transmissions between myself and the bank. 

I am making this payment to save my time. But I would like to report this XXXX XXXX XXXX XXXX and business for misleading consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX 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 card or prepaid card

To whom it may concern, XX/XX/2020 I was on vacation in XXXX, and I looked at my accounts online with Chase bank. I noticed on my credit card had a purchase that I NEVER made that was for {$2100.00}. XXXX so I called Chase right away. 

Customer service canceled my card and sent me a new card once I got back. So XX/XX/2020 they put the charge {$2000.00} back on my account blaming me providing me with no explanation. 

Im not able to communicate with anyone because customer service keeps saying fraud department is not available and the number they gave me says no one is available to talk. 

I filed a claim with XXXX  and FBI so I can get this fixed. The police recommended I filed a claim with FBI. 

The purchase was made from a place called XXXX for {$2100.00} on XX/XX/2020 on my credit card a Chase Bank. The address is XXXX XXXX XXXX XXXX Delaware XXXX XXXX This is number they gave me to call but no one ever picks up. XXXX. I have emailed the fraud department for chase five times and they send me letter stating they will close the fraud case and blaming me. 

Please help me. I will fight this because I am a victims of fraud and my bank Chase will not help me! They have not given me any reasons, no affidavit, no reasons how they investigated, no comment except a letter blaming me for a charge I did not make. Thank you please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX  XXXX  ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME:XXXX XXXX XXXX XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER:XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.