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

In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions. 

The following Accounts : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. {$12.00}, XXXX written off.
Product: Credit reporting or other personal consumer reports

Transunion keeps listing XXXX XXXX as my employer, then they remove it when I file complaint, then they put it back on... I am not and have never been employed by XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information that NMAC has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for NMAC to furnish my information to creditors or obtain my information from other sources.

Upon reviewing my credit report, I have noticed entries that suggest NMAC has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has blatantly violated its legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a proper and reasonable reinvestigation of disputed information on my credit report. Despite clear evidence provided, Experian has left inaccurate or unverifiable accounts unresolved, directly harming my credit standing. 

They have also refused to remove addresses not associated with me and undeliverable via the USPS. The only address associated with me is XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. ( Please see attached ID ). 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for systemic failures, including ignoring consumer-provided evidence, relying on unreliable responses from furnishers, and failing to notify consumers adequately of dispute outcomes. These documented failures mirror my experience. 

Experians refusal to correct or remove the disputed items in question is a clear violation of federal law and an infringement on my consumer rights. I demand immediate corrective action to amend or remove the inaccurate accounts. Failure to comply will result in me exploring all available legal remedies to ensure my rights are upheld.
Product: Debt collection

USCB IS AGRESSIVELY ATTEMPING TO COLLECT ON THE DEBT THEY POTENTIALLY OWN. THEY STATED THIS DEBTS ARE FROM XXXX BUT WHEN I REQUESTED XXXX TO VALIDATE THESE ACCOUNTS THEY WERE NOT ABLE TO FINE ANYTHING CLOSE TO THESE NUMBERS AND/OR UNDER MY NAME. I HAVE SERVED USCB WITH THE RESULTS OF MY FINDINGS BUT THEY FAILED TO RESPOND AND THEY ARE STILL ILLEGALLY ATTEMPTING TO COLLECT ON THE DEBT THEY COULD NOT VALIDATE OR VERIFY TO ME. THIS IS HURTING MY CREDIT AND FINANCIAL BEING
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Debt collection

I went to the hospital and signed in, however, I left before I could be seen by someone. They sent me a bill for {$760.00} and I called and disputed the bill because I was being charged for service not rendered. Item was placed in collections XX/XX/2018, the original creditor was XXXX XXXX. I left before being seen because I was told I may need an XXXX when I get to the back and I was trying to conceive so I told them I would just come back if the pain got worse. When I received the bill I called and disputed the charges and after speaking with a few different people I was finally told the bill would be removed. Now the bill is on my credit in the same amount of {$760.00}.
Product: Credit card or prepaid card

Re : Card Premium Bank Account by XXXX. 

Received an unsolicited VISA debit/credit card in the mail. 

On XX/XX/2021 I Tried contacting the issuing company by the number listed : XXXX and visiting the website dashboard.card.com. No option to speak with an actual person was available. The only way to proceed through the menu was to provide a full Social Security number. 

They issued me a routing number and account number although I've never requested an account. 

This seems very much like a phishing scheme trying to get my personal information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I simply want my perfect mortgage payments made to The Money Source to be reported on my credit report. 

Back History : It took 2 years to assume my father 's VA loan from The Money Source after he passed away. I did everything to assume the loan, The Money Source sent out a notary to my house and just failed to put me on record on the loan. I had spoken to at least 30 people at the Money Source and after 2 years nobody could help me. I contacted the CFPB in XXXX and within 1 week the loan was finally put in my name. 

The request : I asked The Money Source since I have been paying the mortgage for 2 years could they please report that to the credit bureaus. They said no because the loan wasn't in my name - which was what my 2 year battle was all about! They said starting XX/XX/XXXX the loan will be in my name and it will start reporting. I waited until XXXX to call when of course it wasn't reporting. I spoke to XXXX, she spoke to a manager who said she would investigate. I informed her that I have a 2 year history of nobody calling me back from The Money Source and she scheduled a time to call me back. The next day at XXXX XXXX. Of course I did not receive a call so I left her a message and of course never heard back. On XX/XX/XXXX I called again and reached XXXX who also said they needed to investigate and they would get back to me and of course again they didn't. I have now made 6 payments in my name on time and I know my only hope to get this reported is to contact the CFPB. Mortgage payments really boost a credit score, is it fair that they get to decide what customers they give credit to and what customers they can ignore?
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX. I received a phone call from XXXX XXXX regarding an old debt from XXXX. I explained to the representative that I had recently lost my job due to the impact of COVID-19 and was unable to pay anything today, but would like a letter sent to my mailing address and I can look into the debt at that time. The representative became aggravated that I was unable to complete any sort of arrangement or payment today and began threatening me that they will take me to court and I could have my property seized, my checks garnished, and my bank account taken if I did not set something up. I actually believe that this debt may be beyond the statue of limitations, or very close to it since it was from so long ago. I asked the representative to give me the last day that I  made a payment and he stated XXXX, but I dont remember making any sort of payment at that time. I asked to speak with a manager, he stated that his manager was on another call and unable to speak with me. He continued asking what he said that made me upset, and I repeatedly told him that I no longer want to speak with him and would like to speak with a manager instead. After telling me that any manager was not available, he declined to have a manager give me a call back and proceeded to tell me that he is putting in a recommendation to have me taken me court for not making any sort of payment or arrangement with him and ended the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had multiple issues with XXXX XXXX  including their illegal debt practices after a bankruptcy stay. Note I was under a bankruptcy stay in XX/XX/, had kept up with my payments and reaffirmed my mortgage debt. After the merger with XXXX, XXXX aggressively and illegaly had tried to force me pay debts without statements, lie about receiving statement and send threatening letter stating they would report payments to the credit bureau on closed accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - balance paid, credit balance of {$8.00} XX/XX/XXXX - fraud {$230.00} XX/XX/XXXX - Contacted the bank and reported fraud. 
- Removed XXXX from my account - Paid {$50.00} while investigating XX/XX/XXXX Called back after noticed score dropped XXXX points Finally investigation was opened ( on XX/XX/XXXX ) Case # XXXX $ XXXX Case # XXXX {$50.00} XX/XX/XXXX Followed up again and obtained : XXXX. ( XXXX ) XXXX Investigations Dept.

2. Found out on XX/XX/XXXX as fraud Operator ID who reported fraud, XXXX Credit dropped now XXXX points XX/XX/XXXX - Followed up again - account ending in XXXX. 
- Spoke with a rep named XXXX, asked for a manager. 
XXXX XXXX, operator ID : XXXX XX/XX/XXXX - spoke with XXXX from that team. In my favor and receiving a XXXX credit. 

XX/XX/XXXX - XXXX ( fraud investor dept ) - Case number XXXX ( review of the account due XXXX XXXX report - credit report isnt fixed ) review takes 30 days - Accepted in XXXX the fraud - letter sent to me- XXXX at customer care to resend the letter from XXXX XX/XX/XXXX - still see the late fee on my credit report - Called again, spoke to XXXX - Case number XXXX, to reverse the XXXX late fee due to fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments associated with my account for the dates of XX/XX/XXXX and XX/XX/XXXX. This information is negatively impacting my credit report and, consequently, my means of living. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my credit report. I am requesting that you remove these late payment records entirely from my credit file rather than verifying them. This request is made under the principle that any negative reporting that does not accurately reflect my payment history should be removed.

Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report.
Product: Debt collection

My name is XXXX XXXX I use a paypal app for extra benefits to help me out and I don't want to be sue or garnished for payments transfered to my PayPal account my name is XXXX XXXX Social security # XXXX D.o.b XXXX XXXX email : XXXX I play on a app called XXXX  XXXX XXXX  its from watching ads and clicking to win paypal gift cards and prizes its not illegal but can you keep a debt collector from trying to get into my account to have me judge for making the money from the time spent on me using the app please and that you my contact number is XXXX
Product: Debt collection

On XX/XX/2021 this company Credit Acceptance contacted me stating that i owed an account that was taken to court and tried to sue me on legal action. This company stated that they took action and hired a lawyer by the name of XXXX XXXX XXXX lawyers, they also stated that a judgement was granted in their favor against me during a time where i was not notified and during a time where the courts were closed due to the pandemic ( covid-19 ). Their was not an option for me to present a case nor a notification was presented towards me. They performed an illegal action due to the courts being closed. They also were threatening me against legal action if i do not pay immediately. They stated if i do not pay {$6300.00} that they will pursue other actions against me.
Product: Vehicle loan or lease

I called bridgecrest costumer service representative to ask for a payment extension. This information came from their website, it is to help people when they are in need. Well the young lady that I talked to, refused to address the program at first. She was a very fast talker and persuaded me to pay something as if it was going to help with the payment extension. So I paid {$150.00} out of {$420.00}. She asked if she could schedule a payment of {$420.00}. I agreed thinking this would help prevent me from receiving a late payment. She took my debit card information and immediately tried to take the money out right then. This resulted in an insufficient fund fee. The money that was deducted for the fee then decreased the amount available for the bill that was supposed to come out. So I ended up with 2 fees for that one as well. I had to pay over {$1400.00} in repairs and I pay for rides to go to work. So pushing the payment back would have been life-saving for me. So she didnt do the plan, I received a 30 day late on My credit report dropping me 75 points. This was what I was trying to avoid. I explained this to her. But she didnt care. I called customer dispute, but she told me after pulling the call that she didnt sign me up like promised and that she wasnt able to remove the late payment. Even though I followed the protocol. I havent had one bad experience with bridgecrest despite the reviews. Their website says they strive for customer service. I just want them to live up to it. This late payment just cost me my first home.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX XXXX is just lying to the Oversight Committee Fidelity National Title sold my property that was pending under court jurisdiction. Fidelity National Title was sent a demand letter by my former attorney XXXX XXXX. I filed my complaint with CFPB XXXX and nothing has been done. I am being threaten by Fidelity National Title that if I do not sign a release of lien they are going to file a declaratory judgement against me. 
My property had a XXXX XXXX filed by my attorney in court on XXXX XXXX, XXXX. On XXXX Fidelity National Title sold my property for {$580000.00}. 
CFPB has not communicated with me concerning this matter. I received a letter on XX/XX/XXXX. XXXX XXXX XXXX XXXX # XXXX sustained and refused my " due process ''. The Probate Court denied my attorney to present the mortgage fraud documents the heirs ' affidavits & Fidelity National Title used to commit the mortgage fraud. 
Since, my original complaint CFPB has changed directors. Which is another tactics being used to stonewall this complaint. This property was under court jurisdiction in pending litigation when Fidelity National Title lacked due diligence.
Product: Debt collection

XX/XX/17 - called my cell phone one time. ( I did not answer ) XX/XX/17 - called my work line 7 times ( between XXXX-and XXXX ) in a row after I politely told them to please stop calling that number. Then the lady proceeded to threaten that the next call would be to my manager.
Product: Credit card or prepaid card

I have tried to get a " cash advance fee '' that was charged in error removed. The purchase was with a vendor and I received credit to be used with that vendor only and did not receive any cash whatsoever. Discover retorted that they can charge a cash advance fee for anything they would like to and the customer does not have to receive cash, or anything at all for that matter, to be considered a cash advance. If this is the case, what's stopping Discover from charging a {$10.00} fee on every purchase I make? I believe this is against the terms of service and is gross negligence on Discover 's part. I spent 90+ minutes discussing the issue with a customer representative, with no resolution.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have {$34000.00} in a 360checking account with capitol one that has been under investigation for fraud since XX/XX/2022. I was told investigation would take up to XXXX. I have given all information that they may need to prove the money is not fraudulent. I have been ignored and I even drove to XXXX capitol one headquarters just so I could talk to a manager. I was then told that the account was closed and money will be returned. That was in XX/XX/2022. Since then nothing has been done account still active money froze and I managed to talk to someone about 2wks ago and I was then told that it is still under investigation but when investigation is finished that they will cut a check and send it to address on file which is my address. Now when I asked when will this take place I was told that there is no predetermined date when that will be. It's been 6mths now and I need my money.
Product: Credit reporting or other personal consumer reports

oIn 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 u.s.c 1681. 

Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.. 15 u.s.c 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crimes which antedates the reprt by more than seven years. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Checking or savings account

On XX/XX/year> i made a deposit of XXXX dollars I made through selling a motor cycle. I received a check which I then mobile deposited and afterwards it went on hold for ten days. The check didnt charged back however the bank which is chase bank refused on giving me the money even though it said available I wasnt able to pull it. I called and they made it seem like it was a fake check when it wasnt because like I said it never charged back. They then closed my account and all relationships and refused to give me the money, the person that sent me the check also called and they claimed they couldnt verify him. That mortorcycle I sold was to pay rent and I didnt got to pay it which I ended up getting an eviction all because of this.