23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX 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 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 or 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

It has been 10 years since I filed for Bankruptcy and the credit reporting company removed the item last month on my credit report then added it again this month to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Information on Credit Report Violation of 15 USC 1681e ( b ), 1681s ( 2 ) and 1681i ( a ) ( 5 ) Dear Consumer Financial Protection Bureau, The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under laws 15 USC 1681 # XXXX. XXXX XXXX from : XXXX XXXX XXXX  Account # XXXX # XXXX. XXXX Account # XXXX # XXXX. XXXX XXXX  Account XXXX XXXX I looked at my Experian credit report on XX/XX/XXXX and it STILL has inaccuracies and I am writing to formally lodge a complaint regarding inaccuracies on my XXXX credit report. Upon recent review, I discovered several discrepancies that do not accurately reflect my financial history. I believe this situation violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) 15 USC 1681 s ( 2 ) and 15 USC 1681i ( a ) ( 5 ). 

According to 15USC 1681 5 they are supposed to do this ( XXXX ) Treatment if inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) if any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information which has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s ( 2 ) - They are not supposed to furnish any information relationg to a consumer to ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE! 

Violation of 15 USC 1681e ( b ) This provision requires consumer reporting agencies to ensure maximum possible accuracy in credit reports. The inaccurate information on my report indicates that these agencies may not be fulfilling this obligation, and the errors in my credit report are materially affecting my creditworthiness. 

Violation of 15 USC 1681i ( a ) ( 5 ) Under this statute, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. Despite my efforts to dispute the inaccuracies, the information has not been appropriately corrected, reflecting potential non-compliance with the required investigation and correction processes. 

These inaccuracies have not only caused confusion but have also had a negative impact on my credit score and potential creditworthiness. I am requesting that the CFPB investigate this matter and require the reporting agencies to take appropriate corrective actions, ensuring full compliance with the FCRA. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX XXXX companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the XXXX.
Product: Debt collection

In XX/XX/2016 I sent a certified letter to Credit Collection Services to verify debt which they ignored I also sent XXXX additional letters asking for verification and again was ignored with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else 's homeowners insurance policy was placed on my LexisNexis CLUE report. I have no financial obligation to the policy, nor to the property. How is this even possible? How in the world would XXXX XXXX or Lexis Nexis even have my personal information if it is not on the policy to use to add me to a policy without the policy holdes approval and to start to report against me when I am not a party to the claims? This is beyond unbelievable. I have spoken with XXXX XXXX from the XXXXXXXX KS office XXXX and he confirmed that I am not on the policy and never have been. In fact, claims that occured before I was in the residence are added to my CLUE file. I have complained to Lexis Nexis that I am not on the policy. However, you will see that it is my name on the report listed as Subscriber # 1. I am not on the pollicy in anyway. No tenant/care taker/renter should ever have the homeowners policy attached to their report. According to LexisNexis, XXXX insurance  has validated this as accurate in the disputes I have called in to Lexis Nexis. As you can see from the paperwork attached, LexisNexis chose not to follow the law and get a copy of the homeowners policy from XXXX or the local agent XXXX XXXX to prove that I have a financial responsibility to this account to verify its accurancy. Instead they tried to collect more personal data on a non-property owner and non-policy holder. This is a violation of my rights by XXXX, XXXX XXXX XXXX as well as Lexis Nexis. It is against FRCA to report accounts that are not mine and to verify them as accurate without documentation and an investigation. Furthermore, I have been advised that it violates insurance reporting to attach random claims to someone not responsible for the debt. This is beyond ridiculous that it has taken 6 months for this to not be handled. I demand this be removed from my report immediately. I have called LexisNexis 3 times to dispute this and they told me it is MY problem to validate that it isnt mine. You have to be kidding me? I am supposed to ask the homeowner and policy holder for their policy, Social Security Number, Date of Birth and all to prove it isnt me while supplying all this information on me as well. Hmmmm, this is not how the law works. They need to prove this information, which they can not as I am not on the policy and have no ownership stake in the property. Please investigate and ensure this gets removed from my CLUE and A-Plus reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$93.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a Customer of Nissan Infiniti LT, I have an Auto lease from them.

my account was set up on AutoPay and they were drawing the money each month automatically. the lease maturity date was on XX/XX/2021, so I called 2 times on XX/XX/2021 in order to extend the lease. Nissan approved my lease to be extended till XX/XX/2021. Since the Account was set up on AutoPay I thought they are pulling the money automatically like they did every other month during the time of the lease and since the representative on the phone didn't mention anything about the AutoPay getting canceled. I called again on XX/XX/XXXX, XXXX and I've been told that everything is ok and the representative didn't mention anything about a payment past due and he just said that everything is ok with the account. after checking my credit I noticed a late payment reported on my report for the month of XX/XX/2021. I called Nissan to check what's going on they told me that the AutoPay got canceled since the maturity date of the lease was due on XX/XX/XXXX, XXXX and therefore I'm late for over 30 days. 
I've been trying to explain to them that when I called the representative didn't mention anything about it and even when I called 2 days after the payment due date I've been told that everything is ok with the account and no action needs to be taken. 
I never had a late payment on any of my accounts I'm a very responsible person and I understand my financial obligations. please help me fix this issue ASAP. 
I'm planning to apply for a mortgage and it came to my attention that the missed payment on my record could hurt my ability to qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information without verifying proof of this account belonging to me. I have requested countless times the original signed contract for this creditor and they have still not been able to verify this account, yet they continue to report it. It has been deleted from both of the other credit reporting agencies and yet they refuse to remove or reinvestigate the item. I have sent them supporting documentation that shows the other bureaus are reporting my account accurately while there's is not. They have been combative and unwilling to help resolve my situation. I have not been provided any documentation of this proof and if they continue to unlawfully report this I will have no choice but to proceed with legal action. They also have refused to reinvestigate items that remain to be inaccurate based off discrepancies with the other bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these credit checks.
Product: Checking or savings account

On XX/XX/202 received a grant of XXXX dollars from the SBA Covid-19 disaster loan, I'm a sole owner so the deposit was put in my personal checking account, took out {$2000.00} from the ATM to make payroll, CHASE then decided to freeze my checking and saving accounts on XX/XX/2020, then I received a loan from the SBA for {$32000.00} dollars on XXXX XXXX that went into my checking account. Spoke w/ Chase employees at the XXXX XXXX XXXX Branch and I was informed that I needed a Business checking account which I had opened online. After four trips to that branch I was informed that I needed the following to put the money in : EIN # which I completed on XX/XX/XXXX, Assumed Business Name DBA with XXXX County in Illinois, Note : Office of XXXX county clerk closed in XX/XX/2020 and reopened on XX/XX/2020. Paid the XXXX dollar fee on XX/XX/2020, paid another {$65.00} fee to the law bulletin/index publication on XXXX XXXX to published my DBA business name once a week for 3 weeks, and on XX/XX/XXXX XXXX CHASE Bank closed my accounts? I was informed by CHASE employees that a check would be mailed, still waiting? On XX/XX/2020 I received my Assumed Business Name Certificate, took these documents to CHASE brand located on XXXX & XXXX XXXX, went back to back every week and no news about the location of money, employee have no idea where money is or who to contact since CHASE is not answering their phone calls? On XXXX XXXX the branch Mgr stated I needed to get a letter from a CPA or Attorney stating that I am the the sole owner of DBA company and have authorization to to business in XXXX. Took letter back to CHASE on XX/XX/2020, and told that this should take care of the release of funds, hopefully? On XX/XX/2020 received a call from CHASE bank service rep from the branch on XXXX & XXXX XXXX and told the letter from attorney was not good enough? On XX/XX/XXXX went up to CHASE twice and no one could be of any help, per employees they have no idea who is handling this issue, so far. SBA stated that they funded the money and they can't do anything because CHASE has the funds? Per SBA CHASE is doing this to customers in XXXX, and Florida. Where is the money, this loan repayment is due in 12 months, how can I repay a loan I never had access to? Is CHASE just stealing in certain areas only and are the people being targeted in a certain economic grouping?!? Also, SBA stated that if you are a sole ownership that funds could be place in a personal checking account? CHASE Bank employee stated he would call me back yesterday with some news, still waiting! Also the branch doesn't even answer phone calls it just keeps rings! When did CHASE Bank become the Banking Police and who is really stealing these funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's XXXX, Experian, XXXX, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX IS BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, ( FIRST, LAST ), did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  sent me equipment to set up that I never connected. Never used their services. I have photo and video proof that all the equipment I gave back to XXXX  on XX/XX/XXXX was still sealed in plastic. I was given a receipt by a spectrum representative proof that I returned equipment and I never opened it. Account for spectrum was opened XX/XX/XXXX, since I never used the items, I thought I wouldn't be charged for it however I only realized I was being charged for such from 11 charter communications, llc. Those representatives told me if I returned the equipment I would not owe spectrum anything however I check my credit today and see them still trying to collect money for services I never received or equipment I don't have anymore. Amsher collection services are holding my credit accountable. I believe I owe nothing for services I never received nor wanted in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. stated 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 an account without my written instructions. 

15 U.S. C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I have a Chase account XXXX. The principle balance on the account has been {$XXXX} sinceXX/XX/XXXX. I submitted payment since XXXX for the XXXX payment of {$XXXX} over the p/b amount. I have contacted the company several times asking to please apply my payment to payoff the account p/balance. several weeks past, then months, I reached mortgage again, in XXXX, XXXX and now in XXXX. I was finally informed they refuse to process my unapplied funds to the p/b and payoff the account, yet they continue to report on XXXX, XXXX 20/60/90 days delinquencies. I have written in XXXX, and XXXX to executive complaints with no response to please payoff my loan with the unapplied funds, close the account, correct my credit reporting for the pas 4 months bad and negative reporting.
Product: Debt collection

I have received a collection call from ARA, noting that they have attempted to reach me on several occasions to collect on a debt, valued around {$8000.00}. The debt was apparently last held by a payday loan company, known as XXXX. Prior to that, the debt was held as a signature loan with a company ( XXXX XXXX ) that is no longer in business. The debt supposedly originated around 2001 - 16 years ago. The issues with this request are : ( 1 ) I have never taken out a signature or payday loan with the companies noted ( 2 ) I have never received any communications regarding said debt - written or otherwise After doing some extensive research on Asset Recovery Associates, I have found a multitude of complaints across various websites about this company. They purchase extremely old debt and attempt to collect on it. The problem is that the debt is either : ( 1 ) Beyond the statute of limitations ( in NH, it 's 3 years ) ( 2 ) The debt in question is not even tied to the person that they are trying to collect on I am extremely concerned, as it appears that they were able to acquire a copy of my credit report. They noted all of my current creditors, of which I have a very good or excellent standing. They are threatening to take me to court for a debt that I do not owe with a creditor that I have neither done business with. Based on the numerous complaints that i have found online about ARA, this appears to be their method of operation. I find this to be highly illegal, especially with the treatment that they have given me. They are threatening court action, which I know that they will lose ... but not without the potential risk of hurting both my identity and my credit worthiness
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX 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

Navient put a delinquent amount on my credit report without making me aware of it. Ive not received one piece of mail from Navient at my new address regarding the amount owed. Ive always been compliant and paid on time. I did not receive any notice at my new address regarding the amount owed and only know about it because its on my credit. I should have 30 days to respond once I get something in the mail. Ive changed address and have not received anything from them.