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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : AMEX Your Company as Violated my consumer rights.

Your company has sent me a copy of some bills however that's not what I ask, once again by law 15 U S C 1681b Your company has no permission to report anything using my information.

15 U S C 1681, Section 604, Section 2, State a consumer reporting agency can not furnish a account with out my written instructions.

1. Your company have no written instructions 2. I did not give any permission 3. 15 USC 1681 Section 602 States I have the right to privacy.

4. 15 U.S.C 1692 C, Section C 5. I am demanding this account be deleted within 7 days.

Your company miss information as impact my consumer credit report which as cost me {$550000.00} it as come to my attention that your company as violated my consumer rights. 

Name is incorrect Address is incorrect Account incorrect Account incorrect I'm demanding that all inaccurate information be delete immediately I have attach a copy of the account in question that as my accurate information. 

According to REGALATION F and 12 C.F.R 1006.1 SECTION 8e 15 U.S.C 6802 A, B. C and 15 U S C 6801 18 U S C 8 obligation or other security of the United States I owe no debt your company is in violation of my consumer right to privacy. 

15 U S C 1681b Your company has no permission to report anything using my information pursuant to 15 U S C 1684, 4 According to 15 U S C 1681 S-2 Your company has a responsibilities of furnish of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer reporting agencies if the person knows or has reasonable cause to believe that the information in inaccurate. 

Your company has 7 days to delete all negative items, your company have reported false information and without permissible propose violating my consumer reports according to F.D.C.P.A a copy of this letter will be send to the C.F.P.B my state senator and I will file a law suit seeking damage for lost of opportunities that your company as cause damages.

Your company have violated my consumer rights reporting false information without XXXX your company have violated the consumer reporting act F.C.R.A, F.D.C.P.A, 15 U.S.C AND 12 C.F.R your company have 7 days to delete all negative miss information causing harm to my credit report. 

XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I applied for and received a personal loan From One Main Financial a couple of years ago. The loan amount owed is {$3400.00} I've been making monthly payments and the balance remains the same. 

This seems to be a predatory loan. The balance seems to keep increasing, and when I make my monthly payment of XXXX, they only seem to credit up XXXX dollars towards the loan so the balance never decreases. 
I don't have paperwork in this loan it was signed electronically in their XXXX New Jersey office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, MI XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX Bankruptcy : XXXX Date Filed/Reported : 09/02/2016Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXXBalance : {$430.00} ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXBalance : {$910.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXXBalance : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX # XXXX under XXXX XXXX Bank, 15 USC 1681 section 602 A. States I have the right to privacy. USC 1681 section 604 A. section 2 : it also states as a consumer reporting agency can not furnish an account with my written instructions. USC 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 antidates the report by more than seven years. USC 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

XX/XX/XXXX and XX/XX/XXXX I was alerted on my mobile XXXX XXXXXXXX app that a new inquiry was listed under my name from JPMCB CARD from XXXX and JPMCB CARD SERVICES from XXXX and I never opened any more inquiries through my name so it looks like someone tried to run my credit file without me knowing and I was wanting to get those inquiries took off from under my name because it dropped my credit score down.
Product: Debt collection

On Wednesday, XX/XX/XXXX, at XXXX and XXXX I logged into my XXXX XXXX XXXXXXXX online account and saw that there was a credit hold on my checking in savings account and both accounts had a XXXX balance though there was money in both accounts. I called XXXX  XXXX XXXX customer service at XXXX and again at XXXX and was told that this is normal that there may be a fraud with my accounts or simply a merchant making sure that the charge will go through. I verified my last 12 transactions, and both times the XXXX customer service representatives said the credit hold should be released within 48 hours and my balance should reflect what was in my account. I logged into my XXXX online account Friday morning at XXXX and saw that both my checking and savings account was XXXX and that my XXXX XXXX XXXX  was pending and that my direct deposit from my employer was pending and that my accounts had a legal hold. 

I called XXXX  customer service and after being on hold for over an hour, I spoke with a CSR who said that my accounts are closed due to a judgement placed by State of Texas and XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. The CSR gave me the phone number ( XXXX ) XXXX and said that I need to call this number. I called XXXX XXXX XXXX XXXX ( XXXX ) XXXX ext. XXXX and left a detailed message, I looked up the company website and sent a detailed email requesting information concerning the judgement and explaining that I was never contacted by this firm concerning any XXXX credit card debt and if I could make monthly payment arrangement. 

Also, when I was speaking with the XXXX customer service representative, I asked why XXXX  XXXX XXXX did not notify me before my accounts were closed and the CSR could not answer my question. I did however receive an email and letter posted to my savings account Saturday XX/XX/XXXX ; at XXXX from XXXX  XXXX XXXX simply stating that there was a judgement and that all my direct pay was suspended, and accounts were closed. 

This has seriously affected my way of living ; I can not access my money. 

Is this legal? This debt was bought by XXXX XXXX XXXX XXXX back in XXXX and now XXXX XXXX XXXX XXXX filed a judgement with the state of Texas in XXXX. Please help, I did reach out to legal aid in my area.
Product: Credit reporting or other personal consumer reports

I am filing this dispute to address the non-compliance of Equifax with the CFPB 's XXXX rule regarding the removal of medical debt. Despite notifying Equifax via a phone call on XX/XX/XXXX of the recent CFPB rule, both their customer service agent and supervisor refused to remove the medical debt item from my credit report. Instead, they opted to continue an " ongoing investigation, which they advised returned a validated, verified, accurate result, '' which is neither compliant with the current rule nor sufficient to resolve the issue. 
The medical debt in question is as follows : Collection Agency : Merchants Adjustment Service Original Creditor : XXXX XXXX XXXX Account Number : [ Last four digits for privacy : XXXX ] Amount Owed : {$500.00} Date Reported : XX/XX/XXXX This refusal to remove the debt violates my rights under the CFPB 's updated rule. I have attached the documentation for both medical debts that should be removed, and I am requesting that the CFPB investigate this matter immediately. 
Please let me know if additional information is required to proceed.

Enclosures : 1. Documentation of Medical Debt ( Attached Screenshot ) 2. Copy of Credit Report Indicating the Disputed Item 3. Recorded phone call
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested every month since XX/XX/2018 that XXXX and Transunion remove the public record information of the bankruptcy on my credit reports. Both of the credit reporting agencies have responded several times that they received information from the US Bankruptcy Court and the  record is VERIFIED and ACCURATE. The attached documentation from the US Bankruptcy Court clearly states that they do not report or verify information with credit bureaus. They also state that agencies do not contact the court to verify bankruptcy filings. 

A credit reporting agency is required by law to the following : ( 1 ) Guidelines. The Bureau shall, with respect to persons or entities that are subject to the enforcement authority of the Bureau under section 621 ( A ) establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary ; and ( B ) prescribe regulations requiring each person that furnishes information to a consumer reporting agency to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ). 624 - 15 U.S.C. 1681s-3 97 ( 2 ) Criteria. In developing the guidelines required by paragraph ( 1 ) ( A ), the Bureau shall ( A ) identify patterns, practices, and specific forms of activity that can compromise the accuracy and integrity of information furnished to consumer reporting agencies ; ( B ) review the methods ( including technological means ) used to furnish information relating to consumers to consumer reporting agencies ; ( C ) determine whether persons that furnish information to consumer reporting agencies maintain and enforce policies to ensure the accuracy and integrity of information furnished to consumer reporting agencies ; and ( D ) examine the policies and processes that persons that furnish information to consumer reporting agencies employ to conduct reinvestigations and correct inaccurate information relating to consumers that has been furnished to consumer reporting agencies. 

My results from these credit agencies now state that XXXX XXXX provided the information. Where did XXXX XXXX get this information if the bankruptcy court states that they do not verify the information with third party vendors or credit agencies. All information collected needs to be verified with the Bankruptcy court directly and must be detailed and accurate, if not they are in violation of my rights. I need these items to be removed immediately, as this organization has not followed, reasonable procedures. It is the purpose of this letter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, ACCURACY, relevancy, and proper utilization of such information.
Product: Credit reporting or other personal consumer reports

This company reported inaccurate information to credit reporting agencies. The information reported is not consistent and therefore should be removed.
Product: Mortgage

I am writing to report illegal activities of SPS Select Portoilio Servicing , Inc ( SPS  ). This company is taking advantage of the Covid-19 crisis, to illegally extort moneys from consumers, knowing that legal help is limited during the crisis. 
SPS a mortgage servicer charged me an extra {$5700.00} on XX/XX/XXXX, stating they are doing this on my behalf due to urgency surrounding delinquent taxes. This amount was added to my mortgage in addition to extra high interest. This is very false and there are no deliquent taxes in XXXX. 
Secondly SPS sent me a letter stating that I called to deffer my XX/XX/XXXX mortgage payments because of Financial hardships with documents that reflect a delay in the maturation of the loan. This is also very untrue and my mortgage for XXXX had been paid before the letter was sent. I have never called SPS to discuss any financial hardships.This is a scam and false information.
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 Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX , Account Number XXXX XXXX XXXX , Account Number XXXX XXXX XXXX , Account Number XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number : XXXX 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 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 items 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

INACCURATE INFORMATION ON CREDIT REPORT. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL {$1200.00}. THIS IS FTC VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below : XXXX XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting or other personal consumer reports

This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, EU, XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my XXXX report from XX/XX/XXXX the balance due on this account is {$0.00}. XXXX REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCE, EXP has lates on a charge off account. XXXX HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XPN AND XXXX  IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX EXP FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX EXP CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY
Product: Credit reporting or other personal consumer reports

I noticed on my credit report unauthorized and unknown accounts that I did not do or approve. I tried mailing letters to help remove the items all year in XXXX and partial of last year in XXXX. I was impacted by the data breach and at some point my score and report got messed up and it is hurting my profile. please remove!
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Payday loan, title loan, or personal loan

On or around the second week of XXXX I went to agency in question with the total sum amount, intent on finalizing transaction. I however was convinced on continued installments, not wanting to make a fuss of the matter for I was recently widowed with a slew of health concerns coupled with my senior citizen status. I just wanted the best outcome, I felt overwhelmed so I acquiesced to their coercion. In hindsight I realize my actions were quite erroneous because now present day they are employing predatory practices
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/17 ATTN : I have evidence, ( see attached files. ) to believe CITI GROUP could possibly, have some discriminatory, practices CITI CARD., offers Free FICO SCORES ..to there Card Members, Over the past 3 months, the scores that they provided me over this time.have reflected, at least 35 Point Lower credit score, The key issue is I inquired with CITI, they stated the draw from XXXX.for member Scores However my other Financial Institutes ..relayed to me they Use the indentical Credit reporting Agency as CITI GROUP. ( XXXX ) Issue would be if all are getting same XXXX reports why would CITI GROUP 35 plus lower. If all Creditors I 'm am a Member of have express they are using XXXX to offer my score free monthly they should reflect the same score Those score represent.A Good vs a Excellent Borrower. 
I am of protected class. Over XXXX ..XXXX XXXX Female. An XXXX classification, If during investigation it can be shown a pattern .of discriminatory practice In reporting I would seek .Legal action referal in this matter, to include action if warranted Thank You for you attention XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called XXXX XXXX who is issued by XXXX XXXX, transactions that I did not do/ they were all international charges. The agent gave me the run around stating that they can not issue a instant credit right away. Also there is no number to contact fraud Dept, all of this  may take up to 90 days to resolve which is child support money that I need for my child pls feel free to contact at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, my wife called XXXX XXXX XXXX XXXX and made our XXXX Payment of {$3300.00} ( Acct # XXXX ) and received confirmation of the payment via Authorization # XXXX from the XXXX  payment system. While monitoring our Bank account to ensure the funds were debited via ACH, we noticed the funds remained in our account for a period longer than normal. On XX/XX/2023, my wife inquired with our bank to see why and learned that the ACH debit was not allowed due to an error with the input of the bank account number that was entered by voice on the call. My wife called XXXX to see what kept the ACH from happening and was told she gave the wrong Account number when arranging the transaction. She then processed the payment again on XX/XX/XXXX. Our complaint is that if XXXX uses an automated system to take payments, they should give us credit for making our attempt to pay on XX/XX/XXXX because we received a confirmation accepting the payment with the authorization number. The funds were available but we believe there may have been a glitch in their automated system that created the error. Nevertheless, we have never had a XXXX late for our mortgage, ever, and both of our credit reports took sizeable hits not reflecting our effort to make the payment on time.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently I looked at 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 am asking you to verify as accurate : XXXX  account number : XXXX
Product: Credit card

Citi card had XXXX dollar charge I contacted them immediately to let them know it was fraud and they did not refund me