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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I discovered this company ( XXXXXXXX XXXX XXXXXXXX XXXX had been reporting two fraudulent credit card accounts on my credit reports when I obtained my credit reports on or about XX/XX/XXXX, following my denial of favorable auto loan financing on or about XX/XX/XXXX with an auto lender. Subsequent to discovering these fraudulent accounts, I immediately alerted the the company each of the credit bureaus, the FTC and filed identity theft reports with my local police department. I contacted this company by telephone multiple times and spoke at length with several different representatives from their internal Fraud department to file a complaint and learn more information about the details of the nature of the company and how the fraud was able to transpire. Each representative I spoke with asked me a series of security questions such as my phone number, email address, bank account numbers, SSN, DOB, and other personal information and informed me that their conclusion was that the accounts were indeed opened by someone else who had been using my identity, but different contact and banking information. I was provided a report number and informed that an internal review of their findings by a higher department would be concluded within 3-5 business days and that I should expect to see these accounts deleted from my credit reports " very soon. '' That was over 45 days ago and I have yet to receive any communications from this company and these fraudulent items are still reporting on my credit reports. I also received communication from the credit bureaus via updated credit reports around XX/XX/XXXX, stating that this company had initially certified to the credit bureaus that these accounts were being reported accurately despite my initial request to the bureaus that this information be blocked due to being the result of identity theft, which also further violated my rights under federal law.
Product: Credit card or prepaid card

Had received a " XXXX  XXXX  XXXX  '' Credit card via mail. Called and said that I didn't apply for card. Was told that " they would mark as Fraudulent and investigate. Received letter stating " they '' had completed investigation and that I had knowledge of the debt. 
I called the number on the letter and " they '' wanted more personal info and I felt uncomfortable giving more personal info. The person on the phone said that they were with Citibank Fruad dept. I hung up and called Citibank and spent over 3 hours being transferred ( at one point to XXXX ) with no answer as to how this account got opened and if I could get copies of the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX 2017 my husband disputed our public accounts that reflected judgements that have been satisfied already.Equifax removed one of the judgements but failed to remove the other. His was reported as well in the same phone call with the agent. My dispute number is as follows from that date:XXXX or XXXX. They have correctly removed them from my husbands report in which the attached photo will show. But they have n't removed from mine and I now saying I have to wait another 30days for them to remove. As they have to file the dispute all over again. Equifax claims that there was no dispute but yet I have the records to show different,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C 1681 SECTION 604 of the FAIR CREDIT REPORTING ACT
Product: Payday loan

I 've been paying for a year and a half on this loan. About six months ago the information I could access about my account on their website went blank. They kept saying they were having issues with their website - never seem to get it fixed. Had no idea when I took out the loan that the finance charges would be what they 've stated. I 've paid back XXXX of dollars for an initial {$1000.00} loan.
Product: Debt collection

I previously disputed an alleged collection account from Afni Inc. And it was deleted from my credit report on XX/XX/XXXX. I recently checked my XXXX  and XXXX  credit reports on XX/XX/XXXX of XXXX and noticed both these accounts had been reinserted onto my XXXX  and XXXX  credit report. I then called afni and told them this and they stated the account was valid. I never received a dunning letter 5 days before this alleged debt was reinserted back onto my credit reports. This is a violation of the section 611 ( 2 ) ( a ) of the Fair Credit Reporting Act. I am requesting that this account be permanently deleted in accordance with federal law of the Fair Credit Reporting Act Section 6 ( 2 ) ( a ).
Product: Debt collection

In XXXX of XXXX I had been contacted by Rent Recovery Solutions in attempt to collect a debt of {$930.00}. To my surprise this debt had been from a rental company that I had moved out of in XXXX of XXXX. I never received any proof in writing. I verbally contested the validity of the amount. I also sent a validation request to the collection agency on XX/XX/XXXX certified mail. I have the receipt. I received no response. Recently I got ahold of the original creditor who admitted they had made a mistake in how they reported the debt. They have sent documents to prove my case in this matter. This collection has been showing incorrect on my report for a year now. The collection company along with the original creditor, and the bureaus have all shown negligence in this matter. Neither of the 3 will acknowledge they have broken laws of the FCRA. Rent Recovery Solutions along with all other three parties have shown predatory practices in my particular case and I've noticed many others. 
This is defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a someone claiming to be XXXX Card who used an old phone number I do not use to convince me they were XXXX card and that they wanted to give me an additional line of credit or loan, by the time I realized these people were not XXXX XXXX it was too late. 

I called XXXX card and confirmed that XXXX did not perform a hard inquiry nor did they offer me a new line of credit or loan, their fraud and security division told me to notify the police and the credit bureaus. I was told that when contacted XXXX would confirm that they did not call me or make a hard inquiry on my credit file. 

I reported what occurred to in the town the incident occurred in XXXX XXXX, CT police department case # XXXX I also opened a dispute on XXXX
Product: Credit card

Capital One is FRAUD! I have contacted them in the XXXX, MD Branch & Written letters! 
I had theft on all my capital one credit cards- Business & Personal were taken and used XXXX XXXX XXXX XXXX exp XXXX XXXX XXXX XXXX XXXX exp XXXX now the Business was removed from my credit report after contacting you but personal is reporting false!!!! I have also paid off my auto loan with them to get rid of capital one completely from my life since they careless to help me! That reports still owed! I do not trust them and they 're reporting false on my credit reports! They closed an active Justice account that was current and then reported that as well. I want them to remove the false reporting and fix the situation and help me! They charged XXXX in fees on a checking account that was compromised too, we need to further investigate them I bet others are taken advantage of too!
Product: Credit reporting, credit repair services, or other personal consumer reports

JEFFERSON CAPITAL SYSTEM Last reported XX/XX/2019 {$490.00} Open balance XXXX XXXX XXXX XXXX Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reason Accuracy : The creditor agreed to remove charges and/or fees
Product: Mortgage

I've Been Working With A HUD Counselor On Modifying My Existing Home Mortgage With SPS Inc.Since XX/XX/XXXX, And My HUD Counselor With XXXX XXXX. In Minneapolis Has Been The Non Profit That's Been Helping Me With Filling Out The Forms That The Mortgage Company Has Been Sending Out to Me. I Found Out That They Had Started Foreclosure Proceedings On My Home.I Was Told By MyHUD Counselor & The MN Dept. Of Commerce & The MN Attorney Generals Office That They Broke A Federal Law By Starting Foreclosure Proceedings Without Modifying My Homes Mortgage. I've Been In My Home For XXXX. & I Don't Plan On Letting Some Crooked Mortgage Company In XXXX XXXX XXXX, Utah Steal My Home. I Was Told By My States Attorney Generals Office Here In Minnesota To File A Complaint With Your Office As Well I Did With His Office. I Also Filed A Complaint With My Dept. Of Commerce Here In Minnesota As Well & They Also Told Me To File A Complaint With Your Office As Well. The AG 's & MN  Dept. Of Commerce Office Is Sending Mortgage Company A Warning Telling Them To Stop The Sell Of My Home On XX/XX/XXXX Until The Mortgage Has Been Modified.
Product: Debt collection

If a consumer is notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue.

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has violated Section 392.307 of The XXXX XXXX XXXX and Section 1066.26 of The Code of Federal Regulations by attempting to collect on a Time-Barred Debt. Ive received correspondences from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that both accounts were Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose XXXX XXXX XXXX business practice. 

Account # XXXX Account # XXXX
Product: Debt collection

XXXX18 XXXX XXXX  Received a call from XXXX XXXX at IQ Data. He said I owed a debt. I asked him to send me the information. He said he would only send the information if a was going to pay the debt immediately. I was not going to pay anything without looking at the information. 

XXXX18 XXXX XXXX The same number called me back. I did not answer. 

XXXX18 XXXX XXXX  XXXX XXXX at IQ Data called my place of business and left a message on a public email about the debt. 

XXXX18 XXXX XXXX I called him back and he again said he would not email the information about the debt unless I told him I would pay him by credit card immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Capital One in order to request a good will deletion on 2 separate accounts that I have paid off after Charge off. After being Denied I pulled my credit report to do some investigating. I noticed that while one account was listed as Current on my XXXX report It was reporting as a charge off to XXXX. The Time frame for this was XXXX XXXX XXXX. After writing in about the incorrect reporting Capital One claimed they were reporting correctly but that they could not provide me with actual documentation from the Bureaus stating that the accounts were reporting correctly. I had to call in multiple times trying to receive a resolution to no avail.
Product: Debt collection

On XX/XX/XXXX, I sent a message to XXXX regarding a validation of debt and recieve a response that didnt provide to be that I in fact owe this debt. On XX/XX/XXXX which is far beyond the XXXX  day mark. They sent me a letter that state a different original creditor then the one listed on my credit report. My credit report says XXXX XXXX XXXX while the letters says XXXX XXXX. I never had a contract with this company On XX/XX/XXXX I sent a letter in response to the address stated on their response letter Certified and got a return to sender from the post office
Product: Credit card

I am stuck in a loop trying to verify my identity with Citi 's fraud prevention department. They don't use any reasonable information like SSN, address, previous addresses, and have ruled out my phone number based on their algorithm even though it's the only phone number that has ever been on the account and I've had the account since 2015. They only allow me to verify my identity with using a letter that they will send me. I've already gone through this process a week ago, and then when I went to add my new card to my digital wallet, they flagged me for fraud again and now I have to do this whole process again that takes 10 days because they won't accept any other form of verification. The letter that they sent last time didn't even have a specific code or anything on it, it was just a generic letter saying I should call the fraud department. They when I told them that, they were then able to verify my identity using my phone number. But that same phone number isn't good anymore a week later. It makes no sense. I tried calling the executive resolutions department and just got their voicemail.
Product: Debt collection

I took out a personal loan with LendingClub before the XXXX and was paying {$170.00} approximately every month. When the XXXX hit, I was affected and immediately let LendingClub know I am having difficulty making my payments. The best LendingClub could do for me was split my payments up as {$86.00} and {$86.00}, still paying the full amount each month. It became a hardship and I requested they give me an extension which they denied many times. Due to the hardship, I became late on my payments by 3 months. During this time I still attempted to call LendingClub to request an extension. Recently, as things are improving with the economy, I sent LendingClub a letter requesting how we can settle my debt. They did not respond and two days letter " charged-off '' my account. The indicated it was charged-off in XXXX, but I didn't receive notification until XXXX. 

I called LendingClub asking why they charged it off and how I can pay off my balance. LendingClub stated the account hasn't been sold to a debt collector yet and is pending. I offered to pay off my loan in the amount of {$2500.00}, the amount actually owed without them adding their interest and late fees. LendingClub agreed to the settlement, however they want to mark this on my credit report still as " charged off - settled in full. ''
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never had late payments for the account XXXX XXXX  XXXX - Account number : XXXX. I have proof that there is a discrepancy within the late payments that are being reported. All 3 major bureaus are reporting different/inaccurate amounts of late payments. Truly they should all say XXXX. Please investigate and provide proof with statements showing that the payments were late. If proof can not be provided, I demand the payments be updated to " Pays as Agreed/Never Late '' as they should as I was NEVER late. Thank You
Product: Credit reporting or other personal consumer reports

I have an account with Experian for a quiet a while now, I always logged in to check my credit score, it has been a week since Im not able to login, I have contacted them to get some assistance and answers but they cant give me any reason why my account is inactive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
Product: Checking or savings account

Received a letter today ( XX/XX/year> ) the my chase college checking account was being closed and the letter stated that they were closing the account due to the bank secrecy act, and they had identified concerning activity, but there hasnt been much acitvity my grandparents had giving me XXXX dollars for me to be able to pay on they behalf and a additional XXXX as a XXXX new years gift which where deposited separately a week apart and I had just opened a XXXX savings and checking account so be meet the new account bonuse I had transferred the majority of my funds leaving enough for the credit card payments, additionally because of this I deposited XXXX XXXX for there to be sufficient funds in the account for my credit card payments. I hope this is sufficient information about my transfers but I dont think this is out of the ordinary. I hope to get a better understanding if what I did to lead to chase closing my account. I have only received a letter and nothing digitally. Something else that may have caused this is my credit journey has been not working for about XXXX months now. I have contacted and visited a chase branch many times regarding this issue to no avail. Hope I can get a better understanding of why it is happening as I think this might be just an error.
Product: Credit reporting

I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Transunion to remove these inquiries from my report.
Product: Credit reporting or other personal consumer reports

During the months of XX/XX/XXXX ' and XX/XX/XXXX my mortgage was deemed late via XXXXXXXX XXXX. My bank had a glitch within the bill pay system. As you can see I haven't been late since or before.