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

NATIONAL CREDIT ADJUSTERS HAS CLOSED THE ACCOUNT AND TAKEN IT OFF MY CREDIT REPORT EQUIFAX HAS LEFT IT ON MY CREDIT REPORT AND EVERY TIME I DISPUTE THE ACCOUNT IT COMES BACK AS VERIFIED THAT IT WAS SOLD TO THE DEBT COLLECTOR XXXX XXXX AND THE DEBT COLLECTOR HAS TAKEN IT OFF MY CREDIT REPORT AND HOW CAN XXXX VERIFIED AND THEY SOLD IT TO THE DEBT COLLECTOR
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXXXXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution and the so called " debt collection '' company COLUMBIA DEBT RECOVERY LLC DBA GENESIS do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXXXXXX and COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX XXXX XXXXXXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX the financial institution and COLUMBIA DEBT RECOVERY LLC DBA GENESIS are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

My account was closed for not using it my bank continued to make payments I have a credit balance of XXXX that I have been trying to get for XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX, or XXXX credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, XXXX, or XXXX to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per 18 U.S. Code 1028A! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.
Product: Debt collection

This complaint is in regards to inaccurate credit reporting from XX/XX/XXXX to the date of this complaint. The debt which is the matter of this dispute is a credit card debt with the Exchange Credit Program ( Military Star Card ). 

On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX ( XXXX ), a debt collection agency to which the Exchange Credit Program had assigned my credit card debt, to pay off my debt in a lump sum. I was told that my current balance was {$2500.00}, which I paid over the phone during the conversation ( copy of the check attached for reference ). In mid-XXXX, I contacted XXXX regarding inaccurate credit reporting because my credit report showed a {$40.00} balance and the debt showed as " past due account in collections. '' XXXX 's customer service representative assured me that the information would be fixed to reflect accurate reporting showing a XXXX  balance and that the account was paid in full. On or around XX/XX/XXXX, I contacted XXXX again with the same concern because the account was still showing as {$40.00} past due in collections. This time, the collections agent told me that the {$40.00} was, in fact, a credit for " overpayment '' and that I should receive a check from the Exchange Credit Program for {$40.00}. On or around XX/XX/XXXX, I received a check from the Exchange Credit Program for {$39.00} ( attached for reference ) ; however, the account still shows as past due {$40.00} with a collections agency. On XX/XX/XXXX, I contacted the Exchange Credit Program, the collections agent repeatedly ignored my concerns regarding the inaccurate credit reporting. My main concern in this matter is not the {$40.00} but rather the eight months of inaccurate credit reporting in violation of both the FDCPA and the FCRA.
Product: Credit reporting or other personal consumer reports

I PAID THE XXXX XXXX XXXX XXXXXXXX CREDIT CARD IN FULL AND THEY WILL NOT UPDATE ALL THREE OF THE MAJOR CREDIT BUREAUS. I'M BUYING A HOUSE NEXT WEEK AND I CANT CLOSE BECAUSE OF THIS ERROR ON XXXX EQUIFAX AND XXXX. I DONT OWE THIS COMPANY ANYTHING
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

Attached : Identification, Proof of Address, Letter from advocacy group, and Identity Theft Report.
Product: Checking or savings account

Complaint against Marcus Goldman Sachs online savings bank. 

I was trying to open a Marcus Goldman Sachs online savings account. I completed my application by entering my name, address, date of birth, social security number, etc. However, my application was declined for no apparent reason. So I decided to place a call to its customer service in an attempt to find out why. I was told by a supervisor that the reason my application was rejected due to them unable to verify my identity. When I offered to provide my state ID to confirm my identity, they refused. The supervisor said Marcus does not perform additional identity verification check. That seems strange to me. Why a bank does not want a customers money? Why they dont even try to verify applicants identity? All of the information I provided are sensitive personal information which can be used to commit illegal personal identity frauds. I suspect this online division of the banks real business is collecting peoples personal information then later sell it for money. Please investigate.
Product: Credit reporting or other personal consumer reports

I have noticed that there is no report showing for my account. I have attached a copy of my driver 's license and a recent billing statement for your reference to verify my correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax to reinvestigate some items on report and on XX/XX/2023 Equifax sent a letter advising all items on credit report were correct and accurate, but how is this so when I checked my checked my credit report and there were several inaccuracies on these accounts XXXX account number XXXX, XXXXXXXX XXXX XXXX account number XXXX, and XXXX account number XXXX. Below show all the inaccuracies on these accounts I noticed after Equifax completed their investigation. 

XXXX account number XXXX is reporting date last active XXXX with Equifax and XXXX with XXXX. It also says last reported is XXXX with Equifax and with XXXX it is last reported XXXX. It also says date of last payment is XXXX with Equifax and with XXXX is say date of last payment is blank with a line. All of these items of information is found to inaccurate are reporting inaccurate and not 100 % accurate reporting on my credit report. 

XXXXXXXX XXXX XXXX account number XXXX is reporting date opened XXXX with Equifax and with XXXX is reporting date opened XXXX. It is also saying last reported XXXX with Equifax and with XXXX it says last reported XXXX. It also says date last active is XXXX with Equifax and with XXXX is says date last active is XXXX. It also says date of last payment is XXXX with Equifax and with XXXX is says date of last payment is XXXX. All of these items of information is found to be inaccurate between the two bureaus and not 100 % accurate reporting on my credit report. It shows a balance of XXXX. 


XXXX account number XXXX is also inaccurate showing charge off with a balance of {$14000.00} and last active date is XXXX and is showing Last Reporting date XXXX and was charged off before XXXX, which is inaccurate item of information and not reporting 100 % accurate with Equifax . 

I then sent a letter to Equifax on XX/XX/2023 to delete all 3 of these accoun

ts because there were not 100 percent accurate and should be deleted immediately according to Consumer Law 15 US Code 1681s-2 Responsibilities of furnisher of information to consumer reporting agencies Consumer Law 15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information. Equifax then sent me a let
ter updating the inaccurate information, which I didn't ask them to update but to delete and according to the two consumer laws l mentioned above these items should have been deleted not updated. I have attached a copy of the letter sent to Equifax to delete all 3 accounts because they were not 100 percent correct and my correct report should be 100 percent accurate and a photo copy of my report showing the inaccuracies of all three accounts listed above which was pulled after I received the results from equifax advising that their investigation was complete and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$1500.00}, {$700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax regarding this XXXX account on my credit report. I've disputed the information and they return stating the account is my account. I've asked for information and proof from them and received nothing but the account is my account. I've filed and FTC and Police Report attached to prove the account is not my account and they still continue to report the information. The Police Department has blanked out my name and address on the report for security reason and due to Identity Theft.
Product: Credit card

To whomever it may concern. 
I am XXXX XXXX military and was deciding between multiple high level travel credit cards such as XXXX XXXX and XXXX XXXX XXXX Just about all of these cards waive the annual fee if you get the card while XXXX XXXX. So it was under my impression when I spoke to capital one back in 2023 the same would apply however that was not the case. They only waive the fee if you get the card before XXXX XXXX but that information was not passed to me. I became XXXX XXXX on XX/XX/year> although even that date is iffy because thats just when I had to arrive to my training base. I started training about a month later. ( I have all the recieipts if needed. ) I got the XXXX XXXX XXXX on XX/XX/year> just DAYS later after XXXX XXXX because I thought it had to be while I was active like all the other cards utilizing XXXX and XXXX. And because of that I am now paying a {$390.00} annual fee every year because days. They told me they are sorry the correct information was not passed down to me before when I called about it and I can first submit my military information to the capital one office to see what they say if they accept the waive which I did and they rejected it. Then if they reject I can call every year to see if they can waive itits now year XXXX and every time I called they say we can not waive it. Try again next year. I feel as if I was misled and its really a disservice to military members such as myself to be told something incorrect and be penalized for it every year all days. Any way you can help me get this fee waived? Once again I have receipts if AD date and date the card opened. Thank you for taking time to read this it means a lot. Respectfully, XXXX
Product: Debt collection

On XXXX XXXX, 2019 I was contact by Central Mediation Services four times in seven minutes. I finally answered on the fourth call for XXXX XXXX to ask if I received his voicemail. I still have the voicemail that he needed to meet me to serve me papers at my home or place of employment and to have an ID with me. He also said I could call ( XXXX ) XXXX to discuss as well, I called the number and spoke with XXXX XXXX. I had stop him as he immediately started in on why they were calling that I was being served a demand letter. I had to ask who his company was as he did not identify them. He then said I was being served a judgement. I kept asking if was I being served a demand letter ( which would normally be sent by mail since its not a court document ) or a judgement ( which would have to be signed by a judge in a court of law after a hear & I was never served with papers saying I was being sued, so there could be no judgement. ) There are so many violations of the FDCPA ; Harassing phone calls ( 4x in seven minutes ), false representation of serving papers, no information on how to verify what they were saying, telling me a cease and desist letter for contacting me wouldnt work. From what I can gather about the loan theyre talking about it would be an illegal loan under Tennessee law so they couldnt collect. The loan company is not licensed to conduct business in Tennessee nor is Central Mediation Services licensed to conduct business or collect in Tennessee. I have mailed a cease and desist letter but the company is engaging in illegal collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX, have written this dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2200.00} PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$16000.00} I am disputing this claim ( s ) due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. IT IS FRADULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATEL. 

This is my official request to have the aforementioned items to be deleted off of my credit report. Enclosed may be additional evidence to support my claims. 

Sincerely, XXXX XXXX
Product: Debt collection

The managers at the XXXX raised my rent to {$550.00} while still advertising the same aprtments XXXX bedroom for {$540.00}. I did n't agree to pay her {$550.00} so I did not renew. Now I am being charged {$1100.00} for fraudulent claims. Including that I moved out on the XXXX of XXXX however I have statements from the storage place that I returned the XXXX to. All through email. So there are records showing the lies and deception tactics to rob citizens of our money.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

According To company Capital one Account was open in XX/XX/XXXX And action was taken in XX/XX/XXXX for amount of {$4600.00}. 
According to the case no application, no agreement, no any electronic mail, nothing except billing statement for purchases, and in the middle of it 6 electronic payments no information for this payments, i try to explain many times this account is not my accounts and i have police report and credit report that show i m victim of Identity theft and Capital one acknowledge this in my credit report, other banks investigate sameler case and admit it was identity theft ( XXXX XXXX, XXXX XXXX XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was included in the customers who had sensitive data stolen due to improper and insufficient security protocols at Equifax. Identifying information that could be used to commit fraud against my person was not properly stored or protected, making such a breach easier than it should have been. 

Despite the inadequate security protections, Equifax has not approached the situation with clarity. They have continually utilized improper IT security measures in their response, further exposing affected individuals to the loss of sensitive information. 

It has come to light that Equifax senior management knew of this breach for months before notifying the affected individuals. Instead of informing individuals of what transpired, Equifax management instead decided to illegally offload holdings in the company before public disclosure of the data breach.
Product: Vehicle loan or lease

I have been speaking with rep XXXX concerning my car payments.I fell on financial hardship i fufilled my arranngement paying a car payment last month. She let me know the only setup for reposession once we are 75 day past due on a recorded call. we set a arrangement for me to make a payment on the XXXX to bring me under that 75 day mark. I've been getting harassed getting called and being hung up on, today the agent gave a threat og paying in 4 days going against what the other agent said..this needs to be rectified immediately... also when they call working from home they say they dont have the capabilities to transfer to. a supervisor this needs to be fixed
Product: Mortgage

We refinanced our home loan with XXXX XXXX  and the monthly payments should have been Principle and interest- {$750.00} per month. 
In XX/XX/2021 the loan was transferred to Flagstar Bank and now the payments jumped up to {$1.00}, XXXX with some Escrow fund which should have not been there. 
Due to this transfer of loan from one company to another.