23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : 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, credit repair services, or other personal consumer reports

I went to XXXXXXXX XXXX XXXX  to inquire about getting a car. I was told XXXX XXXX XXXX would pull my credit report ; instead, XXXX different companies pulled my credit report. Which I didn't authorize or agree to. 
XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

The following credit card accounts have an incorrect balance. All the accounts have a XXXX balance. 

1. XXXX XXXXXXXX XXXX Reported XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2.  XXXX XXXX Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX  XXXX Reported XX/XX/2018 47 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported : XX/XX/2018 {$600.00} Good These account below have a incorrect balance. 

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2.  XXXX XXXX XXXX Last reported : XX/XX/2018 {$9200.00} Good 3. XXXX Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on. 

AUTO LOANS 1. XXXX XXXXXXXX XXXX Closed : XX/XX/2018 {$28000.00} Closed
Product: Credit reporting or other personal consumer reports

Please provide specific evidence of consideration extended directly to me. Should you fail to provide such documentation within fifteen business days, this will constitute your consent to repay the balance shown ( which is a billing error as a positive balance as i understand general accounting practices positive is what i have in my account and if i add anything to it the value will go up not down ) on my report in a positive amount due to me, multiplied by four as a remedy for the oversight.

Furthermore, I understand 18 usc 8 to mean along with others all obligations are that of the United states treasury which means they must have performed to create this note and the public debt needs to be balanced. I request that settlement or payment for all credits or positive balances be transferred back to the U.S. Treasury account in which I am designated as a Beneficiary. I would also appreciate guidance on any steps required to access this beneficiary interest upon repayment of this credit. 

Thank you for your prompt attention to this matter. I look forward to your response and confirmation of the requested actions within the specified timeframe. 

Sincerely, XXXX, XXXX : Beneficiary
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made reservations with XXXX XXXX XXXXXXXX using a loan through Affirm. The loan amount was for {$1400.00} with an APR of 29.99 %. I took out the loan to go to California to bury my father. 

On XX/XX/XXXX, my son, daughter, and I checked into the XXXX XXXX by XXXX XXXX. As we walked down the hallway, I noticed a large hole in the wall. We then proceeded to our room and noticed in the bedroom the top of the headboards and the mirror were very dusty ; I found this out because my XXXX started bothering me. The windowsill was rusted in the bedroom ( see picture ), and the paint was peeling away as well. The sink 's faucet in the bedroom, when turned on, was barely a trickle. The bathroom 's wallpaper was peeling from the wall. The toilet stopped up, and after a few phone calls, we finally received a plunger. There were not enough towels for the three of us, and my children had to go downstairs because no one ever brought them up to us. The pool was a murky green, which was really evident when the pool man used a brush to sweep the algae from the sides and bottom of the pool. I have stayed in XXXX hotels in the past and never had an issue, I specifically chose this hotel because it was close to the mortuary where my father was to be laid to rest. 

I contacted XXXXXXXX XXXX and was told to contact the general manager of the hotel who was not able to help me and told me to call XXXX XXXX XXXX. I also called Affirm who too could not help me because I already had this loan established with them. I then had to call XXXX and a new reservation was made for us to be switched to another XXXX hotel ; however, when we went downstairs to the front desk to let them know we were being transferred to another XXXX hotel, the young lady checked us out. We then proceeded to the XXXX XXXX, where the new reservation was. The young lady tried to pull up our reservation and told us they had no reservation for us. 

I found out that when the young lady, who was in training, at XXXX XXXX had canceled our room, she had inadvertently canceled not only the current reservation but the new one as well. My children and I were without a place to stay and had to stay at a cousin 's place. What an inconvenience this fiasco was! This was a very stressful time for us and when we were without a place to stay it was detrimental to us as well. Imagine being literally put out on the street, that is how we felt!
Product: Debt collection

Automated system calls at various hours 7 days a week but when I answer there is a recording to call back, they are a debt collector. I have called back and been put on hold until I just hang up. I have no idea what they want or who they are. Our above number has been on the do-not-call registry since 2007. Additionally, we do n't have any debt.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Citibank Checking account balance falls negative because of their monthly maintenance fee and my joint account with my My spouse was reported to credit bureau and my score and my spouse score dropped more than XXXX points after that i took car loan and it cost me 7 % interest rate instead of 1 % .After mutiple calls and complaint citibank has not fixed my issue.
Product: Debt collection

On XX/XX/XXXX I contacted Diversified regarding an account listed on my credit file in the amount of XXXX rounded off to XXXX on my credit report. Diversified responded by representative XXXX XXXX with a response that was not related to the account I was complaining about. There seem to be a misunderstanding on what account is being complained about. Please remove Diversified Consultants in the amount of XXXX from my credit file. This account is a result of identity theft. I have never had any dealing with Diversified Consultants nor the company XXXX in which you represent. I have never received a notification or validation from Diversified that this debt was owed or that it will be reported o my credit file. I wasn't made aware of this fraudulent debt until I check my credit file. I will also attach what was sent to me so the CFPB can see that they responded with something that was not in question to them. There is no contract bearing my signature nor any legal proof that I have any obligations to you. The alleged account is a result of identity theft and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of the things that came up in the background check is my dads history also it has both of our information on there and he has more stuff than me that has been reported! Please pay close attention I am XXXX XXXX XXXX and XXXX self disclosed my charge before the background check actually came
Product: Debt collection

I was called at XXXX and told that the collections company calling was a Credit Reporting Agency. After keeping me on the phone for over five minutes and being barely comprehensible to me, and after I figured out that they were a debt collections company, I told them to only contact me via mail.
Product: Checking or savings account

My wife and I run a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have a checking account at Mountain America Credit Union ( MACU ). A check for {$250.00} that was mailed at the post office on XX/XX/2023 to our accountant was intercepted in the mail and " washed '' and deposited into a fraudsters account for {$16000.00} on XX/XX/2023. I noticed the bad check the next time I was logged in to manage the account which was 13 days after it was posted to the account. I immediately notified the police and the credit union. MACU has taken the position that unless I report a bad check within one day of it posting to the account, they take no responsibility for paying my money to a fraudster. This is absurd. I have a business to run and don't log in to check my account every single day. I have spoken with other banks and credit unions in my area and have been told that they do not have this policy so it appears that MACU is out of line with the industry here and throwing their members who are victims of fraud under the bus. As of XX/XX/2023 I have been trying to get an update on the case from MACU. I have left 4 voice mails and an email over the last couple of weeks for the person in the fraud department handling the case and have received no response. This very frustrating and unprofessional.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted Equifax 's departments in regards to complying with federal law and statutes on my credit reports under the following federal acts regarding credit reports. The following acts Equifax is not complying with is as follows fair credit reporting act section 609, Federal Trade Commission fair debt collections practices act of Time-Barred Debt of Seven to Ten Years. I have contacted the subscribers of my inquiries and they have advised me they had no issues and to contact Equifax of which Equifax have been uncooperative in removing inquiries as well as an account for XXXX that was written off to collections of which XXXX sent to the collection agency to collect which means they forfeit their right to collect the account. I also tried to report to them about cleaning up and deleting historical information which has lead to identity theft of which I now have identity theft insurance with XXXX companies because of their refusal to purge it and update my records as I requested two years ago. I am doing this as a last resort before I file lawsuits against them in federal court for non-compliance with federal laws and state statutes.
Product: Debt collection

I have received several phone calls from a company claiming to work for the county. They state that they are trying to serve me legal documents and by not returning the phone calls it will result in a missed court appearance and a warrant being issued for my arrest. I have called them back repeatedly, informed them that I am recording the phone calls, at which time they immediately hang up on me. I have no idea what the debt is for, if it is a real debt or if it is a scam. They are calling 5 or more times a day.
Product: Credit card

XXXX XXXX, XXXX Dear Sir or Madam : I would like to request a credit for interest charge of {$300.00} related to a transaction from XXXX/XXXX/XXXX a purchase of a television from Best Buy for {$700.00}. The terms of the line of credit was 24 monts no interest as long as the {$700.00} was paid in full by XXXX/XXXX/XXXX. By my records I made the necessary payments in order to pay for the television in full by XXXX XXXX, however when I saw my XXXX statement I saw the television had a remaining balance of {$18.00}. I had a perfect payment history because I always came into the store on or before the due date to make my payment. I was n't going to be back in town before my XXXX XXXX due date so I made that payment online. Unfortunately I was informed via email in XXXX that my payment did n't go through. At that time I also discovered that {$300.00} of interest had also been applied to my account. I informed the representative that I made the payment online he informed me that occasionally customers have issues with online transactions apologized credited the late charge and I made my payment. When I asked could he credit the interest charge he informed it was past the required time when I could request a credit. This troubled me because as soon as I received an email notification that my account was delinquent I made a effort to correct it, in fact I used my card after I attempted to make the online payment in the store an no one even informed me my payment was never received. Once again I would like to request a credit of the {$300.00} I consider my self a loyal customer of Citi and Best Buy anything that can be done would be greatly appreciated. Thanks in advance.
Product: Debt collection

Greetings, My name is XXXX XXXX and I am filing a complaint on behalf of myself against Portfolio Recovery Associates ( PRA ). My complaint arises from PRA 's illegal attempt to collect on an alleged debt ( Charged-off account ) using tactics that violate several federal laws ( Both FDCPA and FCRA ). PRA is currently attempting to re-age an old account by providing false information to the credit reporting agencies, XXXX, XXXX, and XXXX in regards to a charged off account. Attached to this complaint are three documents that show this illegal activity. The first document is the initial letter from PRA, which details their involvement as a debt collector on behalf of XXXX On that document you will see the full account number detailed. The second document is an export of an old credit report showing the exact date that this account opened as well as the account number and company name that was collecting on this account, XXXX. The third document is a newer credit report which shows that PRA has now added themselves to my credit report ( in the place of XXXX ) and have also changed the date the account was opened as well as the account number to reflect a number that they created which mimics the old account number ( See documents ). They added new characters to make it seem as if this is a new account. Also, on the newer report PRA claims that the alleged debts " Date Major Delinquency First Reported '' was on XX/XX/2015, three months after they placed this fraudulent account on my credit report. By affecting the dates on my credit report PRA now has effected the time in which this item will fall off of my credit history. Per XXXX law, this account is well past the statute of limitations for debt accounts based on the original creditors account closure date, which was removed by PRA and no longer exists on my credit report. 

Additionally, I sent two letters to PRA demanding that they validate this alleged debt and their involvement. They did not comply with my demands ( Package Attached ). 

Just so we are all clear : 1. I have never opened an account with Portfolio Recovery Associates. 
2. Portfolio Recovery Associates have never sent proof that there is a signed contract that exists that binds myself, a natural person, and Portfolio Recovery Associates, a creature of the State who is defined as an ARTIFICIAL PERSON. 

Lastly, these continued illegal attempts to collect on this alleged debt have left me XXXX exhausted. I am hoping that this can be resolved without any need to go the legal route, which is my next option. 

Thanks in advance for your attention to this matter. 

XXXX XXXX US Citizen All rights reserved
Product: Payday loan, title loan, or personal loan

The transaction, in the amount of {$500.00} occurred on Friday XX/XX/2022. I was not told by the Lendumo Representative, XXXX that the payments in the amount of {$160.00} would be drafted from my checking account biweekly. Twice each month. I have used the {$500.00} I borrowed to make 1 payment already in the amount of {$200.00} drafted from my account today XX/XX/2022. The next payment is due XX/XX/2022. I'm saving that amount to make this payment and 3 payments are outstanding. How could this process be a help to the working class? I pray noone else gets caught in this criminal scam.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

At least once a day, sometimes more, I get an automated call saying I am a " Person of Interest '' or that " Legal Action is Imminent '' or I need to make a " statement of intent. '' I have no idea what this is about, and internet searches indicate this number to be owned by scam artists.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to remove fraudulent accounts from my credit report and not following Fair Credit Reporting Act ( FCRA ) guidelines. 

XXXX. XXXX XXXX. Fraudulent Account I have disputed XXXX XXXX multiple times, providing my FTC Identity Theft Report, dispute letters, and supporting evidence proving this account is fraudulent. 
Experian refuses to remove it and has responded with The company certified the information is accurate, which is not a valid method of verification under FCRA 611 ( a ) ( 7 ). 
Experian has not provided documentation proving that I authorized this account, which they are required to do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} ) Fraudulent Collection This collection account was fraudulently opened and is listed in my FTC Identity Theft Report. 
Despite submitting multiple disputes, Experian has refused to remove this fraudulent collection. 

Experians Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Provide Proper Verification ( FCRA 611 ( a ) ( 7 ) ) : Experian must provide the method used to verify these accounts, not just say they were certified as accurate.

Failure to Delete Fraudulent Accounts After Proof of Identity Theft ( FCRA 1681c-2 ) : Since these accounts were opened fraudulently, Experian is required to block or delete them once I provide proof of identity theft, which I have done. 

Steps I Took : 1. Filed multiple disputes with Experian.

2. Provided my FTC Identity Theft Report as proof of fraud.

3. Submitted supporting documentation, including prior dispute results.

4. Experian responded with a generic verification response instead of actual proof.

5. Experian continues to report these fraudulent accounts, damaging my credit.