23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  account XXXXhas mishandled my Consumer Reporting Disputes, which has prevented me the consumers From Exercising Debt Collection Rights. I dont know who this company is and I didnt give consent for my information to be released to XXXX XXXX 

They need to end this illegal credit reporting and debt collection practice. This debt is holding me hostage from getting a new vehicle for my family and it is effecting the way I am living. I dont believe its fair. 

Also effective XXXX XXXX 2022 no medical debt should be in a consumer report.
Product: Student loan

The interest has quadrupled my payment and put me soo far behind I am unable to repay. The debt was not explained thoroughly and the practice is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX XXXX Account # 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
Product: Debt collection

Global Lending is a fraudulent company they are trying to collect a debt that is not owed, they have no records of such debt and continued to allow this debt to be in my. Credit report. 

They have no valid information for me to investigate and they have not submitted to me any validation of this debt include signed documents and proven balance. This is not a valid account.
Product: Debt collection

Duvera Billing Service has reported a derogatory charge off to XXXX for the amout of {$3600.00}. I have never been notified that a debt has been owed to such creditor. I'm not aware of doing any business with such creditor. The creditor failed to contact me prior to placing such derogatory remarks on my credit file. The creditor failed to follow the Fair credit reporting act guidelines. As such, I request that the collection deleted.
Product: Credit card

Got multiple emails from chime mentioning getting a card but then had one say that I was approved and that it was going to ship out in 2 weeks and then it even showed an address it was going to ship to. Then the follow up email after that was about attaching a direct deposit account so then I wanted to do something about it but I read online about how this happens to multiple people and chime is the scam itself and that the phone number you call will just ask for more info like your SSN and DOB
Product: Checking or savings account

After experiencing absolutely terrible customer service with Current, an app advertised as a way to make it easier for parents to provide children with allowance and help them manage their money, I sought to close my account. 

The only customer service is available via email and text within the app. There is no way to get a person on the phone. 

Both my kids experienced fraudulent purchases on their Current accounts via XXXX. The process for addressing this is time-consuming, puts the consumer in the position of proving the charge, and takes up to 90 days to resolve. 

I have now made several requests to close my account via their help system, the only way to do so. I have submitted all of the personal information they requested. My last response from them was three days ago and my account still has not been closed. In my last email to them, I told them that if I did not receive a response and if my accounts were not closed, I would file complaints with CFPB and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on [ XX/XX/year> ]. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, as follows : 15 U.S.C. 1681b ( Section 604 ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
15 U.S.C. 1681s-2 ( Section 623 ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX '' Verification and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates 15 U.S.C. 1681i ( 7 ). I also requested deletion under identity theft protections ( 15 U.S.C. 1681c-1 ), as these inquiries pose a potential fraud risk. ''
Product: Credit reporting

I contacted Experian, sent them a copy of my drivers license and social security card, they are currently reporting XXXX total different social security numbers to my credit report however only XXXX of them which are off by XXXX digit belong to me. After sending them proof of my social security card I was assured that the combined information would be removed but it has not. 

These accounts include : XXXX XXXX XXXX XXXX XXXX- XXXX for XXXX, I currently have XXXX there is now way I owe XXXX a bill XXXX : checked both accounts, confirmed with them neither are under my social XXXX- called XXXX XXXX directly. I only have XXXX bill with them for a different balance this account does not match my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX ... NATIONAL CREDIT ADJUST XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to verify that this is my debt. They have chosen to close the account because they were unable to validate. This needs to be removed from my credit report ASAP as it is not my debt and is holding up my mortgage loan.
Product: Mortgage

In 2010 I was involved in a period for loan modification with Wells Fargo. 
I paid payments each month during the process, to the amount of approximately {$10000.00}. 
Initially denied loan after many months. 
Upon complaint was finally refinanced and got new contract adding all money missed back into contract with no mention of {$10000.00}. Ever being applied to balance. 
I am a part of the claim on Wells Fargo Settlement process. 
I have all of the paperwork, letters, correspondence from that time. 
Please contact the settlement claim for me. 
Or tell me how to proceed. My account was sent to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like XXXX XXXX TO REMOVE AND DELETE from all XXXX credit bureaus due to inaccurate information and releasing information without my consent. I noticed the following accounts had a discrepancy in the payment history section. These charged off accounts is reporting payment history each month when it should not since the accounts has been charged off. This is falsely manipulating the statute of limitations which is FRCA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE these item immediately and I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I sent a letter regarding all the unauthorized inquiries on my credit report. It is now XX/XX/2021, and I have not received results from my investigation. My information could have been involved in one of the credit reporting agencies ' data breaches. They have failed to keep the consumer 's private information safe and then could not help correct the situation. I felt used by the agencies and need help. All unauthorized inquiries need to be deleted by law asap.
Product: Debt collection

acct number XXXX The XXXX XXXX XXXX I have no clue what this is from. I never was with the XXXX XXXX XXXX 
XXXX is the amount that is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Us Department of EDU is reporting my XXXX XXXX XXXX student loan as XXXX XXXX XXXX. They keep closing it out and re reporting it as a new loan so it drops my credit score. The account says it was opened in XXXX. The orginal loan was taken out in XXXX and added to in XXXX. ITS OLDER THAN XXXX XXXX XXXX!!! ITS XXXX XXXX XXXX. Its false info and the fact that they keep transferring offices and reporting it as new is wrong. You Equifax and XXXX keep letting them get away with this. My score went from XXXX to XXXX in a matter of days.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a credit card at the XXXX in order to get furniture. I was approved the same day and ordered =my furniture right away. My FURNITURE was delivered on XX/XX/XXXX which I believe is the payment date. I started to pay {$100.00} the XXXX or XXXX of every month while my minimum payment in the contract was {$47.00}. A few month later, I found out that my credit card was charged late fees by XX/XX/XXXX which is associated with the XXXX. I called them to know the reason. In response, the Representative of XXXX XX/XX/XXXX said that it because I was supposed to pay the XXXX of every month, allegation that I disagreed with. However, I request to schedule the payment date the XXXX of every moth because it's my paid day and give her my credit card information for autopay and She told me to call the XX/XX/XXXX to get a final approval of the request. In XX/XX/XXXX, I called and the Representative told me that my payment date will now be the XXXX. In XX/XX/XXXX as I was expected the payment to be updated, nothing happened then I called again. In response, the Representative said that the billing circle does not allow them to place me on XXXX, so they schedule the payment date the XXXX of every month. I was so embarrassed with this kind of customer service and told him that the XXXX won't work for me due to budget. Now, they've been charging me over because last month they did not receive my payment. I have been having hard time dong business with the XXXX. I am embarrassed. They are just taking advantage of me because they are not making any effort to well manage my account and keep my credit in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate and is being filed by myself, XXXX XXXX XXXX, Iam filing this complaint because my mortgage loan was not approved by the bank because of this account opened in my name due to identity theft. I did not open this fraudulent credit card account opened by by a person with the name XXXX with Discover Bank. This was already investigated by the XXXX Police Department back in XXXX it was concluded that this account was not opened by me at that XXXX XXXX stole my identity. This account is still showing active on my XXXX credit report which automatically denied my mortgage application. I am not responsible for this account because it was opened fraudulently and this account needs to be removed from my credit report.
Product: Credit card or prepaid card

American Express Bluebird has a serious security flaw with their prepaid cards. My account and my husbands account has been depleted from funds in different states without the physical card. American Express receives your complaint and then tells you it will take up to 45 days to complete the investigation. This is ridiculous, but thankfully I am only adding a little bit of money at a time to my card, {$200.00}, but enough for me to now write a formal complaint. I have not been receiving text transactions like I am set up for, and nor did I notice the charges that seem to be done here and there to avoid being caught. Amex hires people from the XXXX to handle all calls, including fraud calls, who have no experience with this type of thing nor do they seem to care. My account was charged, w/o the physical card in XXXX and Illinois since XXXX. My husbands card was also compromised and was used w/o the physical card at a XXXX XXXX in North Carolina last year. Once I submit my claim to Amex Express, I am never using this card again, and if they are going to pretend to be a financial institution, there should be proper protections put in place to avoid these fraudulent transactions, and they should not take up to 45 days to investigate a fraud complaint. Thank you.
Product: Credit reporting or other personal consumer reports

Someone used my credit to rent an apartment in XXXX Ga and or purchase or lease a vehicle. 

XXXX XXXX XXXX XXXX Ga XXXX I have never lived at this address. 
I have not bought or leased a vehicle in 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # XXXX XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
7. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
8. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
9. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
10. Please remove it from my credit report. 
XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Sincerely, XXXX XXXX
Product: Debt collection

I have asked Summit Receivables to stop contacting me at my place of work. XXXX XXXX from Summit Receivables stated he was allowed to contact me at my place of employment and asked me to provide him with a reason he was not allowed. I stated he can not contact we at work and place it as a " Do Not Call '' number. He stated he did not have to do so and would continue calling me at work. A woman named " XXXX '' from Summit Receivables is now calling my place of employment. Collectively, they both call my employer every other day for the past 1-2 months and sometimes every weekday. One of the many numbers used by them are ( XXXX ). The payment they are attempting to collect a debt from XXXX XXXX XXXX. 

I initially began a payment arrangement with this company but stopped due to not trusting them with my personal information.
Product: Debt collection

Second complaint. Company changed numbers. I was contacted XX/XX/XXXX. Called back 3 times XXXX with no answer. They called my wife at work today threatening a lawsuit they say i owe {$1300.00} from an old HSBC credit card. I asked to please provide me a letter of explanation they got smart rude and obscene then hanged up. I have no way of communicating with them they don't answer my request for documentation. The number belongs to XXXX XXXX XXXX in an XXXX XXXX. They seem to have my last 4 digit social, name and they also know my wife first name. I honestly dont know of this debt and if it ever was true we could be talking decades. Also they keep calling themselves a law firm without explaining who they are and their number does not falls under any business. Please help!!!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are reporting inquiries that I did not authorize and dont recognize. The below inquiries need to be immediately deleted from my consumer report. 

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Credit reporting or other personal consumer reports

please check the information concerning the equifax data breach in attachments
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts associated with my information be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are as follows : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$70.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$790.00} Inquiries : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reported on my credit profile under inquiries I did not apply or authorize this inquiry and need it to be removed immediately Thank you.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX - {$91000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Debt collection

On XXXXXXXX XXXX XXXX I sent a letter to Transworld requesting validation of 2 accounts listed on my credit reports. I have not recieved any correspondence from them. I also disputed the account with the credit bureaus and the account is still appearing on my credit report. These accounts have not been validated and by law need to be removed.