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

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - However, they stated everything was complete and accurate. But how is that possible if the date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

On XX/XX/XXXX we reached out to XXXX XXXX from a real estate agent referral. On XX/XX/XXXX we provided a conditional approval ( documented in letters and texts ). On XX/XX/XXXX, those conditions were met. Documents provided to Mr. XXXX. After complaining to Mutual of Omaha about his questionable practices, he runs a second credit check without our permission. Both my wife and I received credit notifications of doing so. Mr. XXXX on XX/XX/XXXX confirms he did so via text message.
Product: Debt collection

Citi Bank called me XXXX on XXXX/XXXXXXXX2021. This is for a debt I owe to Macy 's. They called me at XXXX. They called me on XX/XX/2021 at XXXX XXXX  and then at XXXX. I have told them to not to call me and they called me twice today which is a violation of the fair debt collection practices act. They have called me more then once on the same number more then once a day for XXXX months. I have told them not to call that number. THEY CALLED XXXX AND XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my final demand letter, regarding the removal of unauthorized hard inquiries from my credit report. Despite my repeated requests, these unauthorized inquiries continue to appear on my XXXX credit file, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

A collection attorney named Forster & Garbus is trying to sue me for a XXXX XXXX credit card account that is no longer on my credit report. The credit card account is from XXXX which is more than seven years ago. I live in New York XXXX XXXX XXXX XXXX XXXX the statue of limitation is XXXX years on credit card accounts. I do not want this collection attorney to try to seize my checking account because I am barely living above the poverty rate. I can not afford to pay this debt and plus the debt is more than seven years ago and it is no longer on my credit report. The debt is pass the statue of limitations in New York State.
Product: Debt collection

I received a letter in XXXX from Kimball , Tirey & St. John LLP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I responded to the letter, disputing the debt owed. The letter also said that if I dispute they have to stop all collection attempts, including reporting to any credit bureau or informing the credit bureau that the debt is disputed. In response, Kimball, Tirey & St. John mailed me a letter with some random numbers on the back, claiming that was the account. The document had no context and did not include any certified copies or any originals. I mailed a letter saying that they had not only not provided the proof requested but they also reported the debt to credit bureaus and moreover did not report that the debt is disputed. They then proceeded to mail the same generic letter two more times, to which I responded the same. I told them if they mail one more generic letter to me without any proof it would be considered harassment, and so they sent me another letter. They also falsely reported the debt twice to credit bureaus and not it is twice on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an alleged debt of a child support reporting on EQUIFAX and they have failed to substantiate the claim and EQUIFAX has failed to provide me with the promissory note contract EQUIFAX is in violation of credit reporting privacy laws and EQUIFAX has failed to mail me such contract if no contract exist supporting the child support debt EQUIFAX by law have to delete the negative child support report from the credit file immediately EQUIFAX has failed to accurately investigate the child support debt therefore they are in dishonored and have dishonored me and the child support debt have to to be deleted immediately and I demand EQUIFAX to send me the deleted child support remark from the credit report.!
Product: Credit reporting, credit repair services, or other personal consumer reports

Want to know why XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Oklahoma XXXX made 2 Hard Inquiries to Credit Bureaus on XX/XX/2020, and XX/XX/2020, for Employment when I have never applied for Employment with them? Also want to know why they were allowed to make 2 Hard Inquiries in a 1 week period of time making unnecessary Hard Inquiries to my Credit Records.
Product: Vehicle loan or lease

My auto loan is very high interest and I was pey of the 17 month and every month payment is XXXX . 
I'm taking the Hyundai finance company for fix it and make the best of it but don't fix it.I can't pay for the high interest for the car and l back car to the diler XXXX XXXX XXXX on XXXX XXXX NV.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I have been a member of American Express since XX/XX/2004. They raised my interest when my financial situation changed, and my credit score dropped. I contacted AMEX today, and asked for a lower interest. I think now that my credit score has gone up, and I have never make a late payment in the last 14 years I would qualify for a lower interest. 
I was insulted by their customer service representative, and I was told that it was my fault that I was paying so much interest. I was told by him that if I didn't want to pay interest not to spend money of pay my credit in full every month, because it's all my fault. HE SHAMED ME
Product: Mortgage

We have been trying to get out of forbearance since XX/XX/2022, It is now XX/XX/2022. We have sent over every single documentation they have asked us for, and even then it was difficult for them to say they received everything they needed. We are tired of waiting for some documents we have to sign to receive, supposedly it only takes XXXX business days to receive and its been over a month since. 
Every time we call it is something different, they say they sent out documents with modifications to our loan and to get us back on track but we still have not received anything. Its been over 2 months with this back and forth. What we want is to start making payments to our mortgage and get back on track. There is always a different story whenever we call to follow up. We need this to get resolved ASAP. 
We have to get out of the forbearance.
Product: Credit card or prepaid card

I found a vanilla visa gift card that someone gave me in the past. I have never used it. It was expired, so I attempted to contact the company to get a replacement card. The website simply says the card is invalid and to contact customer care. I contacted customer care on XX/XX/21, and was told I would be mailed a replacement card. I waited and waited, didn't get anything, so I called back. I was then told that I would have to wait until XX/XX/21 at the earliest to receive a replacement card.
Product: Credit reporting or other personal consumer reports

I have disputed on XXXX and TransUnion for fraudulent card opened in my name for XXXX on XXXX XXXX and XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in  XX/XX/XXXX .        
The company   XXXX   XXXX   XXXX   XXXX  , which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report   XXXX   2015 and  XXXX  2015 with Transunion,  XXXX , and   XXXX    credit reporting agencies.
         XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

Unwanted daily robo-calls   with no option to talk to a person. This is a private, unlisted number NEVER used except by family. We have no debt that needs collection. Get rid of this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged account and account information attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if necessary, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) ****
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Vehicle loan or lease

Chase Bank violated 18 U.S.C.A. s 1341, UNITED STATES CODE TITLE 18. CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES, CHAPTER 63-MAIL FRAUD, SECTION 1341. Frauds and swindles,. 

i. Banks knowing and willful violation of contract by charging excessive alleged late fees ; some instances they charged over {$200.00} when the contract clearly states {$25.00} is the maximum ( if proven late ). 
ii. Bank adding the same fictitious late dates iii. Bank violating agreed interest rates iv. Banks violation of Fair Credit Reporting Act due to the banks violation of i-iii How is an item both PAID IN FULL and a CHARGED OFF? We paid the item in full. 

Paid, or paid in full, is the term applied to installment accounts, like car loans, when after the last payment is made and you have completed repayment of the loan as agreed. In both cases, the terms indicate a final status, meaning the account is no longer active and can not be used again. 
An auto loan charge-off represents an amount that the bank or other lender assesses as an outstanding debt from someone who has bought a car, truck or other vehicle on credit. Banks find the charge off amount by taking back the vehicle, reselling it, and sending the resulting amount, minus the sale price of the vehicle, to collection agencies for further attempts at collection.
Product: Vehicle loan or lease

" I am filing a complaint against Credit Acceptance regarding an account opened in XX/XX/XXXX. This account was reported stolen in XXXX, and Credit Acceptance was duly notified of this fact at that time. Despite being informed of the theft, Credit Acceptance continues to report this account as not only open but also late. This misreporting is a violation of my consumer rights and goes against the Federal Trade Commission 's ( FTC ) rights and regulations. I request immediate correction of this error and compliance with applicable consumer protection laws. ''
Product: Credit card

I visited a spa/gym called XXXX XXXX XXXX XXXX I purchased a ( 3 ) membership for XXXX. The services that I was promised by the the person that signed me up ( XXXX ) were not provided. I made numerous complaints to him and the staff. I finally asked for my money back and refused to reenter the Facility. 
I provided proof of all of this : 1. Photos of the door being locked to the spa XXXX. Photos of my complaints to XXXX and him appolzing 3. Proof of requesting a return of my payment 4. Photos of XXXX trying to bribe me with a free membership to drop my dispute. 
What do I need to do. I have all the proof in the complaint. Chase credit services is faciliting extortion.

I even tried a compromise to charged we for the week I was there ( but didn't receive the services ) and was still got denied my dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested Transunion to update my personal information from my credit report. I never received a response. On XX/XX/XXXX, I requested them to also remove inaccurate items listed in my dispute letter that I requested to be deleted. Finally, on XX/XX/XXXX stating that I did not provide required documents to verify credit report. This information isn't correct. Attached is proof that a driver 's license, a social security card, and bill to verify proof of residence in which, are all required documents for verification. 

On XX/XX/XXXX, I filed a complaint with the CFPB about investigating the issue. In response on XX/XX/XXXX, Transunion once again stated that I didn't submit the required documents such as a driver 's license, socials card, and proof of residence. As a result, this is my sconed complaint filed on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXXXXXX, US DEPT ED
Product: Credit reporting or other personal consumer reports

I have requested these hard inquiries to be investigated for almost 3 months now. The credit reporting agency has yet to conduct a proper investigation and these hard inquires remain on my consumer report.

TO WHOM IS MY CONCERN I recently obtained a copy of my most recent credit report, as I was reviewing the content of my report I notice some very inaccurate and amiss information. It seems that my credit profile has been compromised by someone knowingly or unknowingly using my personal information. A Federal Trade Commission report has been generated, submitted, and a copy of my report is enclosed. I, being a natural person and very aware that consumer reporting agencies need written instructions by I, THE CONSUMER to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. By definition Experian has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ). 
Inquiries that are in fact unknown/unauthorized and shall be DELETED IMMEDIATELY ARE LISTED BELOW : XXXX XXXX XXXX XXXX  - XX/XX/XXXX - FCRA Section 605B ( 15 U.S.C. 1681c-2 - Right to Block Information Resulting from Identity Theft : Under Section 605B, I am requesting the removal of the unauthorized hard inquiries from my credit report. 
XXXX XXXX  - XX/XX/XXXX - FCRA Section 605B ( 15 U.S.C. 1681c-2 ) - Right to Block Information Resulting from Identity Theft : Under Section 605B, I am requesting the removal of the unauthorized hard inquiries from my credit report.

XXXX XXXX XXXX  - XX/XX/XXXX - FCRA Section 605B ( 15 U.S.C. 1681c-2 ) - Right to Block Information Resulting from Identity Theft : Under Section 605B, I am requesting the removal of the unauthorized hard inquiries from my credit report.

UNAUTHORIZED INQUIRY DISPUTE REASON : THIS IS A VIOLATION OF 15 USC 1681b ( a ) ( 2 ) please provide me written instructions that I, the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that CONSTITUES AGGRAVATED IDENITY THEFT IN ACCORDIANCE WITH 18 USC 1028A. REMOVE THIS INQUIRY IMMEDIATELY! FURTHER MORE ANY INQUIRY TWO YEARS OR OLDER NEEDS TO BE DELETED IMMEDIATELY!

UNAUTHORIZED INQUIRES Given the amount of identity theft, I\ 'm sure you\ 'll agree that verifying the information is in your best interest. 
Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. A Federal Trade Commission report has been filed and enclosed is the report for your reference. My contact information is provided below and I have included proof such as my I.D/ Drivers License and current address to avoid any delays in your response time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Credit reporting or other personal consumer reports

I agreed to a voluntary repayment plan with the Military Star Card on XX/XX/XXXX ( see attached ). As instructed by their customer service representative, since I received the letter late, I signed the repayment agreement and emailed it to the provided address. Despite following their instructions and submitting the agreement timely, my account was placed into collections without any acknowledgment or processing of my agreement. 

I filed an initial CFPB complaint regarding this issue ( COMPLAINT ID XXXX ). After that complaint, the company finally acknowledged receipt of my voluntary repayment agreement on XX/XX/XXXX however, this acknowledgment only came after they had already placed my account into collections, causing damage to my credit profile. 

I subsequently sent a certified letter on XX/XX/XXXX ( see proof attached ) and they received it on XX/XX/XXXX, which is now well over 30 days ago demanding the company correct the situation by : ( 1 ) removing the account from collections, ( 2 ) removing all late payment notations, ( 3 ) ceasing all negative reporting. 


I made it clear that upon correction, I was willing to resume payments. 

Despite receiving my certified letter ( proof attached ), the company has failed to respond. They have also continued reporting the account negatively, added additional interest to the balance, and have not removed the late payments or corrected the collections status. 

This conduct is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) as they are knowingly reporting inaccurate and disputed information. 

Given their multiple violations, failure to correct after formal notice, and continued harm to my credit standing, I am requesting full removal of this account from my credit reports, not merely correction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground 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. 

Also the Credit bureaus did not take 30 days to complete my investigation. 

I submitted a complaint with the XXXX.I submitted a complaint with the attorney general 's office and these collection agencies are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling transunion credit reporting agency, to have a fraud alert and a freeze put on my account. The company TU, did the right thing and wanted to verify it was myself, XXXX XXXX, contacting them. I entered all the data they asked for, and the were to send a verification code to my phone. The code never came through. Whether the code was actually sent or not I can not verify, or whether my carrier failed to notify me I do not know. The company TU then tried to use information from my credit report that they maintain on file to verify. Understandable using a second verification process, a good idea! The problem : All the questions are generated by computer process. The questions are generated from information stored on my credit report! The questions asked by the automated system had answers reflected by the company 's reporting to the agency about my history as a creditor. I answered every question according to my knowledge of the loans inquired about. Every answer was ACCURATE! I GAVE NO ERRONEOUS answers. None of the loans I was asked about pertained to either myself or our household. As a result all of my answers were considered wrong, faulty disqualifying me to have my request honored. I now know I am being punished by the credit reporting agency for giving the right answers. The company cared little about the fact that the questions asked were in regards to erroneous information they had on record about me. 

I am frustrated angered and disappointed with this company. There is no easy way to resolve this issue. They are making a difficult situation worse. Policy took precedent over truth. Policy over service. I am at risk even more now because of an inept policy. I feel the company is at risk of liability of further damaging my stolen identity.