23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deleted late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to Penn Credit Corporation Ref # XXXX. This cease-and-desist letter was in reference to the letter that I received from Penn Credit Corporation dated XX/XX/2022. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. 

I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. 

XXXX have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XX/XX/XXXX {$0.00} XXXX COMENITY BANK XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Debt collection

INTEGRATED DEBT SOLUTIONS HAS BEEN CONTACTING MY FAMILY MEMBERS ON A DAILY BASIS. BOTH MY MOTHER AND SISTER HAVE RECEIVED UP TO 6 CALLS PER DAY. XXXX XXXX IS LEAVING VOICEMAILS REQUESTING FAMILY MEMBERS RETURN HER CALL TO PROVIDE AN ADDRESS OF WHERE I CAN BE SERVED FOR A DEBT. 

I HAVE CONTACT THE COMPANY AND VERIFIED THAT THEY ARE REQUESTING PAYMENT FOR A LEGITIMATE DEBT THAT I OWE. I ADVISED I WOULD SET UP A PAYMENT TO RE-PAY, HOWEVER ONCE I PROVIDED MY PAYMENT INFORMATION OVER THE PHONE, I HAS SECOND THOUGHTS ON PROVIDING TO THIS UNKNOWN 3RD PARTY COLLECTOR. 

THE COLLECTOR HAS HAD AND HAS LEFT NUMEROUS VOICEMAILS ON MY PERSONAL PHONE AS WELL AS MY WORK VOICEMAIL AND I HAVE BEEN IN CONTACT WITH THEM DIRECTLY. AS THIS ADMINISTRATOR HAS MY PERSONAL CONTACT INFORMATION, THERE SHOULD BE NO REASON FOR THEM TO CONTINUE TO HARASS MY FAMILY MEMBERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and I am concerned that Resurgent Recievables may be in violation of my rights to privacy by violating the fair credit reporting act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Resurgent Receivables and its affiliates solicitations and never gave Resurgent Receivables or any of its affiliates direct to solicit anything to consumer reports. Due to Resurgent Recievables and its affiliates negligent behavior I have been substantially injured and intend to file suit should my demands not be met.
Product: Checking or savings account

On XX/XX/XXXX i paid {$99.00} to join a monthly membership. on XX/XX/XXXX, the owner of the group informed us she was closing the group and we would be refunded for XXXX payment by XX/XX/XXXX. Once the refund did not show up in my account, I opened a dispute with cash app and provided them a screenshot of the message. On XX/XX/XXXX my dispute was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX/XXXX. I have contacted the FTC and my local police department.
Product: Mortgage

Called Vanderbilt Mortgage on XX/XX/XXXX to post XXXX months mortgage payment an denied by employee XXXX in XXXX XXXX. States can only accept payment if it's in amount of {$9700.00}. " so transfer money out of checking account into savings an call back on XX/XX/XXXX ( my payday ) an see what amount you will have at that time. Need to refer account to XXXX XXXX for decision and that could take maybe 30 days " Last week my daughter was handed 30 day court summons that's signed with 10 day delay from site visit and document date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act 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 fumish a account without my written instructions.
Product: Debt collection

Upon Checking my credit report. I noticed XXXXwo accounts placed on my credit report from a company called " security credit services. One account was for approximately {$390.00} and another for approximately {$290.00}. I have never done business with this company, I have never received any correspondence about this debt. Last reported date on my report for the debt of {$390.00} was XXXX XXXX and the Last reported date for the debt of {$290.00} was on XX/XX/2020. 

This accounts has impacted my score negatively and has thrown me into financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Checking or savings account

I recently discovered that there were a 4 consecutive month of unknown and unauthorized transactions in my chase checking account. I reported to Chase and received a provisional credit, but finally denied of it. Their reasons were have missed a reporting window of 60days. Any suspicious transactions must be reported in 60 days or lose the money. Secondly, they said, the transaction has contained correct spelling of my name that they construe that I authorized (! ). This is a bizarre excuse from them. Of course, any fraudster would try to create a transaction as real/accurate as possible. Chase denied of issuing credits. I am not disappointed about Chase fraud protection practice that shift the burden on the customers. In fact, most of credit card companies have measures to recourse fraudulent transactions in effortless manner these days. Chase doesn't want to follow this procedure on my checking account.
Product: Credit card or prepaid card

I am contacting your agency in hopes you can help me get in touch with my bank Chase XXXX XXXX. I am dissatisfied with the manner at which my bank handled my disputes. And I would like to request that they re- investigate them. Back on XXXX XXXX XXXX I got contacted by XXXX XXXX XXXX XXXX XXXX XXXX, for an online business opportunity, they charged my card a total of {$14000.00} and they did not provide the services as described. I appreciate your help.
Product: Checking or savings account

I the subject : XXXX XXXX sr does not owe this debt. Ally bank on XX/XX/2023 illegally and without an court order signed by a Judge or the clerk there of. Froze my CD account and is illegally holding my money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I discussed a payment extension with this creditor for the XX/XX/2018 installment. At the time I lived in XXXX  and was in the process of relocating to XXXX. The representative who agreed to process my extension for the installment due XX/XX/2018. I relocated to XXXX  on XX/XX/2018. I never received confirmation this extension was processed. 

My mail began being forwarded sometime in the month of the XXXX. Once I moved, I never received the document to reflecting an extension. As a result, my loan began reporting past due over 30 days late as of XX/XX/2018. 

I contacted XXXX again on or around XX/XX/2018 advising them my credit bureau reported incorrectly and should show an extension was process for XX/XX/2018 installment payment. The representative explained the loan was 30 days past due and the extension was never processed. She said a letter for the extension was never returned and therefore was not processed. Evidently the State of XXXX  requires an agreement for extension be signed to execute. At that time the representative acknowledged since I now resided in XXXX  the payment for XX/XX/2018 and XX/XX/2018 could be extended with the next payment due XX/XX/2018. Upon reciting company required disclosures an extension was processed for these two installments and my loan was brought current. 

My bureau currently reflects a 30 late payment for the XX/XX/2018 which should be corrected to reflected CURRENT.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agencies that I've listed below are reporting old debts. They are re-aging them and placing them on my credit report. It is my understanding that this is illegal for someone / company to re-age a debt that is greater than 7 years plus the statue of limitation in the State of XXXX is 4 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Debtor : XXXX XXXX XXXX Original Creditor : XXXX XXXX University Amount : {$160.00} Date incurred : XX/XX/XXXX Midwest Recovery Systems XXXX Original Creditor Name : XXXX Type : Payday loan Debtor : XXXX XXXX XXXX : {$700.00} Date Incurred : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and it said I missed two payments for a company I have never done business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I am retired, and I recently had some trouble with my credit card. My husband and I are getting older, we are both XXXX. We recently hired someone to go over our finances, because at our age it is very hard for us to keep track of everything. Anyway our financial advisor went over our books and he asked us about some transactions that stood out and most of them we knew what they were, but one company we did not know. Our financial advisor researched the company and said that he was very skeptical of the company. When he called them they had no records for us and could n't tell us what exact business they were in. At that point we knew something was amiss. Since the transaction was done on my Wells Fargo Visa, I thought we were protected because they have a {$0.00} fraud liability thing in their contract. So we called them to report the transaction as fraud on XXXX/XXXX/2016. They told me that it should take about 7-10 business days. We got a letter dated XXXX/XXXX/2016, stating that the charges were valid and authorized, however I never authorized these charges and I told them that over the phone. They sent me another letter dated XX/XX/XXXX which said that because I continued to pay my bill that I authorized the transactions. I hate to say this but I am XXXX years old, and I always pay my bill. That is part of the reason we hired someone to do our books, because truth be told we are just not able to do it very well anymore. Me paying my bill has nothing to do with me authorizing the charges, I have never even heard of this company. I also filed for a reconsideration with Wells Fargo and stated that I had never heard of this company and that I always pay my bill. They sent me a denial letter for reconsideration dated XXXX XXXX.
Product: Debt collection

I was never served any documentation of eviction. I went to the court and got documentation of the plaintiff 's false eviction. On their proof of service it states address XXXX XXXX XXXX # XXXX XXXX, CA XXXX. That is the wrong unit number. My unit number was XXXX not XXXX. How can you possibly serve someone at two different unit numbers? I moved into my new apartments called XXXX XXXX XXXX and I attached my lease agreement which I signed XX/XX/2018. The plaintiff 's proof of service contradicts and doesn't make sense whatsoever. The proof of service states the plaintiff signed the proof of service XX/XX/2018 but I moved into my new apartments XX/XX/2018. It states in the court papers that this was because of possession back to the plaintiff, it was never about me owing rent. My husband tried to pay rent XX/XX/2018 and the temp that was assigned at the leasing office stated that she will not accept our rent which is a violation of the tenant protection act. The plaintiff violated the Tenant protection act and increased the rent numerous times in the past 4 years we lived at XXXX XXXX XXXX. The tenant protection cap annual rent increase is supposed to be at 5 % which the plaintiff violated. On XX/XX/2018 the plaintiff filed court papers of entry of default, judgement and writ. Superior court returned documents to plaintiff and was unable to process the entry of default and judgement of writ because their attorney misspelled clients name or misinformed the courts of the spelling of their own clients name. I would like this information to be removed from me and my husband XXXX XXXX credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed XXXX accounts containing incomplete & inaccurate information on my credit report. Those accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted all XXXX CRA via mail asking them to stop reporting inaccurate/incomplete information and income on my credit file. 

All XXXX accounts are " Charged off as bad debt '' and consists of incorrect information regarding date opened, date of last activity, past due amounts, and/or account status.

Pursauant to U.S.C. 1681 of the FCRA, not only is this affecting my credit worthiness and standing by the inaccurate/incomplete information reported, its also impairing the U.S. banking system. Under the IRS Publication 4681 these above accounts are consider " Gross Income. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove the Fraud alert and credit freeze off my credit report ASAP!! I have called XXXX   and it still was not done. I need the updates below done. I dont have a phone number on my credit report either. 

New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX Phone Number : XXXX Please remove the the Alerts ASAP!!!!!