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

I sent XXXX XXXX, XXXX, XXXX and Transunion documents stating that I am a victim of identity thief. Transunion, XXXX and XXXX all removed XXXX XXXX account the reinserted it after the dispute was completed. I Call them all and the said this XXXX XXXX account can't be removed or re-disputed. I sent them all a copy cover letter, ID, SSN, utilty bill, police report notarized. XXXX XXXXXXXX Acct # XXXX Bal {$2100.00} date opened XXXX closed XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

CITI CREDIT CARD charged an erroneous late fee of {$25.00} to my account that is always paid off to 0 each month. This was due to an error caused by the CITI Online web site. Talked to the Customer Service and the Supervisor whom would not give a credit back and stated they NEVER do under any circumstances as other ethical companies do such as XXXX or XXXX. DO NOT USE CITI I cancelled this account in disgust.
Product: Vehicle loan or lease

I asked for one payment to be pushed to the end of my loan so Flagship Credit Acceptance LLC would stop calling my phone 5-6 times a day and my work 1-2 a day. I am always paying in the month in which I am due. Except once when I was a few days behind. Then I found out they were charging me a {$10.00} a day per diem, I feel like that is predatory lending. I pay my car note bi-weekly and I have my bank statements to back that up. I am being charge a {$40.00} late fee all of a sudden because I am paying bi-weekly even though I have been paying bi-weekly since the life of the loan. I have told Flagship since XX/XX/2020 I have impacted by covid-19 and my pay has been drastically reduced. 

Flagship told me NOT to email them because they received too many emails and they were overwhelmed. Then I thought to myself a couple months later I better email them so I have documented proof, so I did. I asked to put a payment on the end of my loan, they made me listen to a recording. then they said it has to be approved by their management and I have never heard another word about it. 

I am trying my best and I am not even a month behind. They harass me daily with excess calls to my personal phone and work and their fees are corrupt. I need help to get out of this loan and transfer to another servicer. I can not believe that XXXX XXXX would deal with a company like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX REPORTING 3 TRADELINES AS NEGATIVE TOTALING PPROX {$5000.00} ( SEE ATTACHED XXXX  XXXX DISCHARGE ) 2. US DEPARTMENT OF EDUCATION XXXXREPORTING 6 TRADELINES AS NEGATIVE TOTALING APPROX {$48000.00} ALL ACCOUNTS WERE INCLUDED IN 2015  BANKRUPTCY AND DEBT DISCHARGED 1099C FILED 3. XXXX XXXX 1099C FILED NO MORE COLLECTION 4. XXXX XXXX XXXX HAS THE ASSET, FILED 1099C NO MORE COLLECTION AND HAS BEEN REPORTING DUPLICATES AND AGGRESSIVELY. nO WRITTEN CONSENT. ( SEE ATTACHED 1099c ) REMEDY : REMOVE ALL VIOLATION FEE {$1000.00} EACH TOTALING {$11000.00} BANCRUPTCIES ID XXXX FILE WAS DISMISSED REMEDY : REMOVE VIOLATION FEE : {$1000.00} HARD INQUIRIES : THE FOLLOWING DID NOT EXTEND CREDIT DUE TO INACCURATE REPORTING OF VARIOUS DATA FURNISHERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Remedy : Remove all inquiries VIOLATION FEE {$1000.00} EACH TOTALING {$18000.00} ( also includes duplicate. 
corporations inquiries ) Personal Information ( SEE ATTACHED ) 33 INCORRECT/INCOMPLETE DATA Remedy : Remove all inquiries VIOLATION FEE {$1000.00} EACH TOTALING {$33000.00} ( also includes duplicate entries )
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 right to privacy. 
XXXX ) Account name : XXXX # XXXX XXXX ) Account name : XXXX XXXX # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX section XXXX A. XXXX I have a right to privacy. 
XXXX XXXX. Section XXXX A. Section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX. c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer reporting 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 more than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report, I noticed an inquiry from XXXX XXXX, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Product: Debt collection

On XX/XX/2017 i checked my credit report only to find an account in collection, i had no knowledge of this debt and proceeded to buy a XXXX bureau credit report ( {$50.00} value ) to be able to find out who to contact about this debt. The company Rent Recover reported to XXXX and XXXX that i had an unpaid debt of {$140.00} to an apartment complex called XXXX XXXX from which we rented an apartment for a year and a half, the lease ended with no problems and we gave the management our new address were they could reach us. When the lease application was submitted we included all our XXXX cell phone numbers and email addresses, I even have several emails from the management communicating with us, which leads me to my question of why they send that debt to collections ruining our credit ( my credit score dropped about XXXX points ) without even contacting us, I asked the management why they id not contact us to notify us about this issue and their answer was that they are to busy to be calling customers. This is totally unacceptable, i believe that reasonable attempts to contact the debtor should be made before ruining someones credit score. 
Note that the debt was paid in full that same day to the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being filed by a 3rd party and is not a duplicate complaint. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have 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. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX Account # XXXX 7. Account Name : DPT EDXXXX Account # XXXX 8. Account Name : DPT EDXXXX Account # XXXX 9. Account Name : DP OF EDUC Account # XXXX 10. Account Name : DPT EDXXXX Account # XXXX 11. Account Name : DP OF EDUC Account # XXXX 12. Account Name : DPT EDXXXX Account # XXXX 13. Account Name : DP OF EDUC Account # XXXX 14. Account Name : DPT EDXXXX Account # XXXX 14. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX 15. Account Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 16. Account Name : DPT EDXXXX Account # XXXX 17. Account Name : DPT EDXXXX Account # XXXX 18. Account Name : DPT EDXXXX Account # XXXX 19. Account Name : XXXX Account # XXXX 20. Account Name : XXXX Account # XXXX 21. Account Name : XXXX Account # XXXX 22. Account Name : DPT EDXXXX Account # XXXX 23. Account Name : DPT EDXXXX Account # XXXX 24 Account Name : XXXX  XXXX  Account # XXXX 25. Account Name : DPT EDXXXX Account # XXXX 26. Account Name : DPT EDXXXX Account # XXXX 27. Account Name : XXXX Account # XXXX
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Capital One website I was interested in using their pre-qualification tool to see if I'm qualified for any of their accounts that they offer but was denied swiftly due to the following reason : " Based on your Pre-Approval form information, there are too many delinquent past or present Capital One credit obligation ( s ) '' I had disputed this account in question with all three credit bureaus with supporting documentation proving and also requesting proof from the bank regarding the account in question in this letter as I had never opened said account back in 2014 in XXXX as I hadn't been living there for almost a decade. This account has been removed and deleted from my credit reports yet for some reason they still mention this account that was a result of identity theft and based my application decision from this when that isn't even correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized XACTUS Date of inquiry : 11/03/2021 Please Delete Immediately 2. 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 no consent is identity theft. XXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately 3. 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 no consent is identity theft.

XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 4. 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 no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately
Product: Credit reporting or other personal consumer reports

XXXX of XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX. {$1800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$860.00} None of these are my accounts I contacted them and they don't have any of my real information but experience won't remove these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen and someone had used my information and opened up XXXX card and not paid XXXX Account number XXXX Chase Acct No XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late purpose
Product: Debt collection

This is to let you know that I applied for credit and saw a collection on my credit report from Waypoint Resource Group. I have disputed their claim. I never received any notice within 5 days of the initial communication with the consumer ( me ), which is a violation of 15 USC 1692g ( b ). They failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation
Product: Credit reporting, credit repair services, or other personal consumer reports

good afternoon Team XXXX Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX, of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information.

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possibleIn 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 furnish a account without my written instructions
Product: Credit card or prepaid card

I have a Chase Bank credit card. Four fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX. Chase 's current practices are making it practically impossible to resolve the matter. 

You can dispute the charges on the Chase website, but you are required to check a response indicating *why*, and fraud is not one of the options. For that, you are asked to call customer service.

However, ridiculously incorrect statements of hold times ( I was told ten minutes ) coupled with actual hold times ( I was on hold for 2 1/2 hours Friday, and I am at 1 1/2 hours right now ) make it nearly impossible to resolve any issue, especially for individuals who are still working outside of the house and do not have the ability to spend hours on the phone. 

I understand that everyone has limited staff right now, but I feel that a company as large as Chase can do better by their customers. At the bare minimum, a realistic expectation of hold times or the offer of a call-back would be good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Transunion 's inquiry issue in their server error. I've contacted TransUnion on XX/XX/2020 and they refused to remove my inquiries.
Product: Debt collection

XXXX XXXX was issued a cease and desist yesterday via text, the same communication they initiated without my permission to contact me about an alleged debt that I do not owe. Please see attached exhibits, which show that XXXX XXXX violated my right to privacy by contacting me to collect on an alleged debt that I do not owe. XXXX XXXX assumed the risk when they purchased an alleged debt from the alleged creditor. I do not owe neither, XXXX XXXX or the creditor, and demanded all communication ( direct and indirect ), harassment, embarrassment, defamation of character and attempts to collect on an alleged debt to stop. The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it.
Product: Money transfer, virtual currency, or money service

Kind Attention : my dears at CFPB.. greeting..I submitted my judgement to bank of America XXXX XXXX state of California on XXXX XXXX, to fax and process my judgement XXXX, for more than two times, I never got reply, please by Any chance submit my documents To : [ legal procedure and court orders ] since no way I can get in Touch with the appreciate department, please find attached For your guys attention : * Plaintiff Federal Procedure 54 * Judgment statement of cost your kind attention, for my issues And concerns, will be a highly appreciated, thank you, '
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called Equifax on my new XXXX XXXX XXXX to put a freeze on my account, at the point where are the automated system tests for your identity their system became unable to hear both my voice responses and my keypad responses. One time the system no hung up on me, and another time a customer service person answered and after a minute it seemed like she hung up on me also, perhaps trying to herd me to their online reporting system. 

I would like a Equifax to call me and help me set up the freeze on my account before my identity is stolen!
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these account from my credit report After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal.

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.