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

And according to the fair credit reporting act, the list of accounts have violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681.

15.USC 1681 section 602 A : states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states no consumers report agency may make any consumer report contain any of the following items of information any other adverse item of information other than the record of conviction of a crime, which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to any consumers agency, if the person knows or has reason comfortably that the information is inaccurate.
Product: Debt collection

Americollect Collections continues to report a said collection that is currently being litigated by my attorney ( XXXX XXXX XXXX XXXX XXXX Original creditor has been contacted about this lien and therefore this collection agency that I have no contract with should not be trying to collect a 6 debts that are not related to the original creditor debt.
Product: Credit reporting or other personal consumer reports

i just recently looked my report XXXX XXXX I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

1. XXXXXXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX ] : The inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b2. 

2.XXXX XXXX XXXXXX/XX/XXXX 3.XXXX XXXXXXXX XXXXXX/XX/XXXX 4.XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance XXXX {$7100.00} XXXX XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

I received my full credit report from Transunion, and I noticed my name has been spelled wrong twice as the following. 
XXXX XXXX XXXX, XXXX, XXXX Both of these names that have been listed are not my correct spelling of my name that has been given on my credit report. I have sent out this information via mail as well asking for the correct spelling of my name. This act that was done by this agency can cause problems for me later on down the line with Identity fraud or theft because when or if my credit is pulled my correct name will not appear on my credit report due to these mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Discover card allows users several options to make payment automatically on their website. 
1 ) Pay in full each month " 10 days '' before the closing date 2 ) pay the minimum on the statement due date 3 ) pay the minimum plus a fixed amount on the statement due date 4 ) pay an " other '' amount on the due date When i asked why i could n't pay in full " on the due date '', i got the following response on their chat : " So with the " pay in full '' withdrawal option, the withdrawal date for that is systematically set to process 10 days before your closing date, instead of the due date. The reason behind this is we know it 's important if you 're paying in full to have the reported to the credit bureau every month on your cycle. This is set in place so that if something happens with the payment, there is still time to correct the issue before it 's reported. Please keep in mind the withdrawal date can be changed. '' They further indicated that once the payment is set up, after 90 days you can change the date, presumably to the " due date '' of your statement. There does n't seem to be any good reason why these XXXX would be treated differently. 

I think they are just trying to encourage people to only pay the minimum payment or some fixed amount rather than paying their bill in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN- XXXX Phone - XXXX DOB- XX/XX/XXXX Email - XXXX Inquiries that need to be removed XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 XXXX XXXX XXXX  credit card accounts, both were closed by XXXX XXXX and referred to 2 different 3rd party collection agencies in XXXX, even though I had informed company I had been a victim of Covid19 employment loss. I am in current repayment status for the account with an original amount of {$1600.00} as a credit line. The company I am in repayment status with is XXXX XXXX XXXX. I have been paying {$50.00} per month since XX/XX/XXXX and have not missed a single payment. In XX/XX/XXXX, I found that an email had been sent to me indicating that another company XXXX had assimilated another account of mine in the amount of {$1000.00}, and XXXX XXXX XXXX  had no further ownership of either accounts. My credit score in XX/XX/XXXX suffered a score loss of XXXX points from all 3 bureaus and despite repeated disputes, XXXX XXXX is still showing that I have missed 2-3 payments on an account they no longer own. Due to this, my score has dropped so far I am unable to take out a debt consolidation loan to clear my outstanding debts. I have called XXXX XXXX, XXXX, submitted disputes to XXXX, XXXX, and Equifax, all to no avail.
Product: Credit reporting or other personal consumer reports

I took out a loan at XXXX in XXXX of XXXX XXXXor {$500.00}. My information was then transferred to a debt collector in XXXX of XXXX  for {$580.00} to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2019 Balance : {$110.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a XXXX XXXX XXXX account in my credit profile. I reached out to all three credit reporting bureaus to rectify this matter amicably. XXXX  is the only agency to remove this account from my credit profile. 
As I have mentioned before this account is not mine. I believe Comenity bank is falsely billing me for merchandise I never purchased. I did have an account with Comenity that was paid in full and closed. Secondly, this account is older than 7 years and showing several different dates ( e.g. open date, delinquency date, etc. ). XXXX  and XXXX  is refusing to remove this negative information from my credit profile as well as completing a thorough investigation. I have reached out to both XXXX and Comenity bank to resolve this matter and have constantly been met with misinformation. XXXX XXXX XXXX has shown me that they are not willing to resolve this matter. I have tried reaching out to the original creditor, XXXX XXXX XXXX/Comenity Bank, to no avail. I called Comenity Bank to verify last day of delinquency and was blindly transferred to XXXX XXXX. The representative stated that she would reach out to XXXX and then give me the information that I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went online online to open a social security account, and they asked questions based on my credit past, to verify my identity. The questions asked didn't pertain to me. They asked about loans taken out in 2014, and a store credit card opened in 2014. In 2014, I was not old enough to open any credit cards, or get a loan. Then I went to a credit report site to see if I could order my credit report and look at the issues. The credit report site wanted me to do the same thing, answer questions based on my credit past. I couldn't answer these questions, based on the fact that I should have no credit past, and the questions did not belong to me.
Product: Mortgage

Please read the attached complaint document ( XXXX page ) in detail, and the attached supportive document ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pages ) Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked experian to remove the bankruptcy from my credit report it says on my report that experian received the information from the bankruptcy court but the bankruptcy court dose not report to any credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified. 

XXXX XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified.
Product: Mortgage

Arvest Bank Mortgage Division merged with its parent company, Arvest Bank, on XX/XX/XXXX. Despite promising no change in the servicing of mortgages ( letter dated XX/XX/XXXX ) the company proved incapable of mailing out statements or processing payments in a timely fashion so that payments could be made by the due date. 

I called the company to find out my status on XX/XX/XXXX, and was informed that statements had been mailed out on the XXXX. I called again today, XX/XX/XXXX, the due date for payments, and was informed " don't worry, you have two more weeks to make a payment ''. I was not given any date to expect a statement. The person I spoke to refused to identify herself or her supervisor. She refused to send an email giving me this information in writing. She told me if I emailed Arvest Customer Care that " maybe '' I could get a written confirmation of this information. 

She also told me that I could make a payment over the phone, but only by providing permission for Arvest to deduct directly from my bank account, which I refused to do, since they have proven themselves demonstrably incapable of professional management. I could also make an in person payment to the bank, but that would involve taking time off work, and she could not assure me when this payment would be applied to my account. 

I do not understand why a mortgage company, to which I had made on-time payments for almost six years in a frictionless fashion, is suddenly incapable of its ONE JOB because it merged with its own parent company! Nor do I understand this lack of transparency or willingness to provide information in writing.
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 U.S.C.1681. 

Account name : XXXX XXXX University : Account # XXXX Account name : XXXX XXXX : Account # XXXX Account name : XXXX XXXX : Account # XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXX/Dept of ED : Account # XXXX Account name : XXXX : Account # XXXX 15 U.S.C . 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an 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 and 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 ) states 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

I asked several times over the years for XXXX, TransUnion credit reporting agency for some kind of proof that this bankruptcy from : ( XXXX XXXX XXXX XXXX XXXXXXXX ) Date filed : XX/XX/16 Ref # XXXX This furnish account looks very much like a kid type this out using random letters rather then complete sentences very tacky display please correct this inaccurate information or delete it another thing this account is past the 7-years please delete from my credit report 3rd reason this bankruptcy is not reporting across all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about hard inquiries on my credit report. I do n't recognize any of them.
Product: Debt collection

Submitted a request for validation of the debt, but have not received valid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX  regarding inaccuracies on my credit report related to an account ( [ Account Number : XXXX ] ). The account shows a XXXX late payment and a balance of {$650.00}, which I believe are inaccurate and unverifiable. 

Details of the Dispute : Late Payment : The account reflects a XXXX late payment, which is inconsistent with my payment records. 
Despite a dispute, XXXX XXXX  has failed to provide any documentation to validate this late payment.

Balance Discrepancy : The balance reported does not align with my payment history or account terms. 
Violation of Consumer Laws : Under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies and request reinvestigation.

Under 15 U.S.C. 1666b, errors in billing and balance reporting must be investigated and resolved.
Product: Checking or savings account

On XX/XX/23 I noticed unauthorized withdrawals from my CHASE checking and savings account in Michigan ( I live in NY ). these occurred on XX/XX/23 & XX/XX/23. When I reported it I asked why I was not notified of unusual withdrawals ( over 10 cash machine withdrawals a day over 2 days at different locations as well as fraudulent XXXX XXXX  purchases ) they claimed a verification was sent by text, i asked what phone # and it was not my #. when i looked the phone # up it was a Michigan # that had since been disconnected. the bank told me that the # had been added to my account days prior to the theft. 
CHASE bank has " tentatively '' ( pending investigation ) returned my checking money ( {$1000.00} ) but has Denied the money taken from my savings account ( {$2100.00} ). 
my wife and I rarely ever use a cash machine and never use our debit cards.
Product: Debt collection

" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX, Transunion, and XXXX XXXX to get the following medical debts under {$500.00} removed from removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... all XXXX XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first want to say this complaint is NOT from a third part credit repair company. I, XXXX XXXX XXXX, photo ID attached, am the living and breathing woman submitting this complaint to all three major credit bureaus XXXX, XXXX and Equifax. 

I previously sent in my written instructions according to 15 U.S Code 1681b ( 2 ). I have also attached my instructions for my consumer report as it relates to items I want deleted. To further all three credit reporting agencies are in violation of 15 U.S Code 1681a ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition all credit reporting agencies listed are in violation of 15 U.S Code 1681a ( 2 ) ( b ) - ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To further 15 U.S Code 1681b ( 2 ) has been violated as neither company has fully honored the written instructions of the consumer. In addition the consumer report should not have been shared as there was not permissible purposes such as a court order from a competent court of jurisdiction. I XXXX XXXX XXXX am the original creditor and ALL extensions of credit arise from the use of my social security account, defined under the Truth in Lending act as a CREDIT CARD. Lastly I XXXX XXXX XXXX am submitting this complaint ON MY OWN BEHALF I am seeking that the items listed in each letter be removed per my instructions as the natural person/consumer. I would like the CFPB to enforce the rights of the consumer