23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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, 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: Debt collection

A late payment was reported on my credit report from 2024. It shows a total of XXXX XXXX and they could not provide any information of what this charge is for. Nor could they explain why payment is late for a medical procedure ( not sure what its for ) because my medical insurance covers all charges for medical expenses or services.
Product: Checking or savings account

XXXX was taken from my account. I contacted the bank and told them this was an unauthorized payment. I was asked if I had a receipt for the XXXX year subscription and I said yes. I was given a refund. Now today the payment was taken out again in a reversal. I called and was told an investigation was done. I have sent the receipt and a picture of the purchase which is good till next year via email as requested. I was told it would take weeks to investigate my claim before I received a refund. No notice was received the payment was being taken out again after I have already told them it was an unauthorized payment. I don't think any investigation has taken place and it was just easier for them to reject the claim and have to do their job myself. Any other time a suspect transaction has taken place I have been alerted and given a chance to respond. I have filed a complaint about their procedure process with the bank. This is the XXXX  time they have been told this is an unauthorized payment.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : -
Product: Debt collection

On XX/XX/2016 IQ Data International added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, IQ Data International has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Checking or savings account

My account was debited for {$2400.00} on XX/XX/2023 and an additional {$2400.00} on XX/XX/2023. These transactions were not authorized. I called the company and they told me they could not discuss with me anything about the transactions because I am not a client of theirs. I explained to them that they withdrew funds from my account without my authorization, and I need to speak to someone in upper management or a fraud department to retrieve these funds. They told me that they can not speak with me and they told me I should file a police report and fax it to them at XXXX on XXXX XXXX. I spoke with XXXX XXXX, and she was in the reference research department. I contacted my financial institution which is XXXXXXXX XXXX  and they launched an investigation and was unsuccessful in trying to even speak with someone in the company. There is no department or person that handles these issues of fraud. This company seems like a hoax, and I was even made to do a three-way call with my financial institution and Ameri home mortgage, which is the company who subtracted these funds from my bank account. I do not know what else to do. I also filed a police report and faxed it to that number above. I still have not received any communication or correspondence, nor have I received the refund my money. Please help me in this situation. 

I also document some information from XXXX when I spoke to another representative, here are a copy of the notes Ameri home XXXX XXXX XXXX Dept customer service Employees number XXXX Tuesday XXXX XXXX Call was XXXX This was my first call. 
Im just giving you all of the information that I have. 
My financial institution, XXXX also said that you can give them a call and they also have their own set of notes they can provide as well.XXXX
Product: Checking or savings account

Received unsolicited email saying an account was opened jn my name. I did not open account. 

Sent email to XXXX per requested in email- they included this as a way to report unauthorized account openings. 

FRAUD!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days ago, I have not received a response back. I feel like I am being taken advantage of and that I'm not being taken seriously. XXXX ( a ) states that failure to investigate these items from within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach. and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am a victim of identity theft. This will be my second complaint with you'll about incorrect item reporting on my credit report. TransUnion reports that I filed Chapter 7 Bankruptcy. I have valid documentations from the U.S Bankruptcy Court stating they are not reporting anything to the credit bureaus. I have a police report number stating I am a victim of identity theft. I have TWO signed notarized affidavit. I have TWO FTC Report Numbers. I have ONE previous report to CFPB. I mailed over a valid Driver License and my Social Security Card. I have made SEVERAL CALLS to TransUnion with NO HELP they even stated on the last call that they would contact the U.S Bankruptcy Courts themselves. I am now in CONTACT with a LAWYER TO FILE A LAWSUIT!!!!!!!!! 


THIS IS THE ONLY CREDIT BUREUA THAT'S REPORTING THIS INCORRECT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has two accounts listed on my credit report for loans that I did not take out. I have asked this company to provide me with all of the documentation that shows how this account was opened. The company has refused to provide me with this information. I have informed them that another account was opened in my name during the same time and that situation was quickly resolved. I was actually unemployed when these accounts were opened. The problem here is that I have never received any correspondence from this company about these two loans at any time. I have not received anything that stated they were trying to collect a debt owed. I found out about these accounts because they appeared on my credit report two years ago as being delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see pages 14 and 25 of the attached credit report. ) This account has a {$0.00} balance. This line item has not been updated and by incorrectly reporting this information is a violation of the Fair Credit Reporting Act. I have contacted the bureau to fix this, however I have been unsuccessful. This incorrect reporting is harming my credit score and this line item needs to be updated to report a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete ALTERNATIVE XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX   CREDITOR ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on TransUnion. XXXX  is only reporting the same collection on TransUnion and not the other bureaus. This is a violation and it needs to be removed.
Product: Debt collection

Account Name Bank of America Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$3700.00} Four years ago my home was broken into and my laptops and computers were stolen. I called the police and filed a report. Weeks later I noticed items that I didn't recognized appeared on my credit profile and I have been trying to get this debt off since that time and I have researched my consumer laws. For one I never recieved a 1099c from Bank of America saying that this debt was written off and I reached out to them to request that information so I can do my taxes, since this debt is on my report. Also I have looked on my credit report across three bureaus and according to Metro 2 Format the industry standards for reporting accurate, complete and timely information that the data should report according to the specified definitions in order to process credit information correctly is not accurately reporting on my credit profile. I am also in the state of North Carolina which the statue of limitations is 3 years. 

I do not owe Bank Of America- ( account # XXXX ) {$3700.00}.
Product: Credit card

We contracted with an auto transportation company to transport our vehicle from XXXX to XXXX. A contract was signed under false pretenses. The misrepresentation from the transport company resulted in us being charged {$740.00} by our credit card company. The transport company never transported our vehicle. We attempted to resolve this issue with Barclaycard, but they were unwilling to refund the amount. However I digress. XXXX XXXX XXXX lied to us, so we canceled the contract. The contract had a " non-refundable '' clause. This is what Barclaycard is using to withhold our refund. The contract was executed in XXXX. XXXX Statue section 817 Fraudulent misrepresentation stipulates : Under contract law, a plaintiff can recover against a defendant on the grounds of fraudulent misrepresentation if ( 1 ) a representation was made ; ( 2 ) that was false ; ( 3 ) that when made, the representation was known to be false or made recklessly without knowledge of its truth ; ( 4 ) that it was made with the intention that the plaintiff rely on it ; ( 5 ) that the plaintiff did rely on it ; and ( 6 ) that the plaintiff suffered damages as a result. 

The contract is null and void, however. Barclaycard is refusing to follow XXXX statues by allowing the merchant to bill for services they never provided. We chose to use another transportation company and contacted XXXX XXXX XXXX to cancel our request, which they did, but still charged us the entire amount it would have cost to transport the vehicle. 

In closing, we were charged {$740.00} for a service that was never rendered and Barclaycard has refused to refund our money.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midwest Recovery Systems just dinged my XXXX Credit Report, by reporting that I owe them XXXX. This happened last XXXX as well. Once I went to the Consumer Financial Protection Bureau last XXXX, they quickly dropped it. However, it appears they are back at it, again. Really fed up with them. They refuse to verify the debt, yet they go straight to my credit report. Really unfair what they are doing.
Product: Debt collection

Received a letter in the mail from debt collector for a medical bill. Called company to settle account and pay. Company wanted more money than the debt was. XXXX statement states zero fees and XXXX interest added to date. Escalated and requested to speak with supervisor, that person also unhelpful and refused to negotiate or settle the account for the actual medical bill. Phone call made XX/XX/XXXX medical debt is XXXX dollars. Debt collector is demanding XXXX. This is the only letter received in the mail. XXXX received XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CReditor suspended account due to lost/stolen but then reported a late/deliquent while new card is being mailed, but not yet received.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Debt collection

Portfolio Recovery XXXX. Call multiple times a day. Every day of the week. Have no debt in collection. Asked not to be called. I think it is a scam, but I am really tired of these calls. Make them stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I have previously provided each of my creditors and each of the three Credit Bureaus, Equifax, XXXX  and XXXX XXXX with certified legal documents from the Superior Court of Jurisdiction validating the name, the legal spelling and hyphenated middle names. 

Each of the three credit bureaus continue to list my name incorrectly. I want my name listed accurately and correctly on my credit reports. 

XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Someone tried to open a credit XXXX without my permission Bestbuy Someone tried to open a credit XXXX without my permission XXXX XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX XXXX Someone tried to open about XXXX loans without my permission XXXX XXXX Someone tried to open about XXXX loans without my permission XXXXXXXX XXXX I have more then XXXX inquiry from them XXXX XXXX XXXX XXXX tried to open about XXXX loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get XXXX and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXX XXXX  lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX  XXXX auto finance which is also my bank did the same thing mislead information to me
Product: Mortgage

my grandmother and i applied for loan modification ten years ago different lenders took over loan also i recieve check from florida hardest hit program the balance remain o ve one hundred thousand dolla rs the mortgage company has falsely reported me into collections my uncle and i are being harassed we submit payments every month the balance remain same ov er hundred thousand doll ars we are  XXXX  the principle almost at  eight perce nt where we could not never pay the mortgage off thanks please help me in this matter
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report. I noticed that there was an account on there that doesn't belong to me. Please remove this account from my report.
Product: Credit card or prepaid card

I contacted Synchrony bank after my last payment in XX/XX/2022 and let them know I was having a hardship and would be late on payments until XX/XX/2022- I was informed that as long as I resumed payments by XX/XX/2022 my account would remain open. I was not offered hardship assistance. On XX/XX/2022 they closed the account with out notification which has now ruined my credit for the next 7 years and will prevent me from buying a car or a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, I had no help from anyone to file this information. 

This new issue with TransUnion is about information and violations on my account. See attached for full details. 

Also TransUnion has yet to resolve the previous issue.
Product: Credit reporting or other personal consumer reports

Consumer Have asked and asking the company to please send a copy of the written off & charged off for the proper Tax filing. Company hasnt complied nor a statement of why or why not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in serious violation of the FCRA laws and FDCPA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX Account Name : XXXX Accountnumber [ XXXX ], has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.