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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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.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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 have noticed that they have placed some inquiries on my XXXX  credit file on the date listed below that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, these inquiries are reporting verified to 3B but provided no verification of my authorization. 

JPMCB CARD XX/XX/XXXX ; JPMCB CARD XX/XX/XXXX ; JPMCB HL XX/XX/XXXX XX/XX/XXXX
Product: Prepaid card

As of XX/XX/2015 I have been unable to access my funds from RUSHCARD. I am 4 months pregnant and I am extremely upset. I had my last paycheck deposited into my account on the XX/XX/XXXX, when it usually is deposited on the XXXX. After going on Social Media I noticed customer complaints about missing money, unauthorized transactions. etc. On the XX/XX/XXXX I requested a block on the card to protect myself from any problems. On XX/XX/2015 my direct deposit was credited to my account. I called RUSHCARD, and was told by a Customer Service Rep that the system was down and they could not pull up my account. I explained that all i wanted was a block removed from my card. She informed me it was nothing she could do. I called customer service and email RUSHCARD everyday for the past 2 weeks. Everytime I called I am put on hold and eventually the line hangs up. Last week I called and was told by a Rep that I requested my account to be closed and they would semd me a paper check for my remaining balance. This is untrue. I never requested account be closed. I called RUSHCARD customer right back, they put me on hold and later call was dropped. I have requested numerous times to speak to a Supervisor, someone that can help me, only to be ignored and hung up on. This does n't suppose to happen XXXX. I have 2 weeks wirhout money, and still no response from RUSHCARD. I am worried about my unborn baby because I have not been able to eat healthy food for the past 2 weeks. My kids are hungry, my car was repossessed, and Im about to lose my storage all because I believed in my country the great USA. I thought this could never happen, but I was wrong.
Product: Debt collection

None of above " Best describes ''! 
Re VEXATIOUS LITIGATION by XXXX! 
From a recent message sent to the Georgia Dept of Law ( of which can NOT handle such cases ), re XXXX County Magistrate Court enabling such behavior of XXXX XXXX : " This is in re to a large number of XXXX XXXX cases handled here, by a law firm in XXXX GA! 
Is there a payoff? Payola? 
My situation : I have a XXXX handled debt that I have actually PAID off, and even an OVERPAYMENT!!! 
I am XXXX years old, on SSA XXXX, the past 3+ years I have over paid the {$1500.00} as agreed upon in the 2013 Consent Judgment - however there were 4 months in which my monthly recurring payments ( checks automatically withdrawn ) did not clear the bank ( this cost me {$35.00} @ time )! 
Hand written on this consent judgment by the XXXX attorney is : " ... $ XXXX/month, beginning XXXX/XXXX/13 and continuing by the XXXX of each month thereafter until the {$1500.00} '' then the printed " is paid in full. '' Morally and should be legally I have honored this! Yet, I filed a 'Relief from Judgment ' of which was denied by the XXXX Magistrate Court !!!??? Since my case was in dispute my hearing was delayed until after the XXXX+ non-contested XXXX XXXX cases, handled by law firm of XXXX XXXX XXXX XXXX GA! 
Online you can see very much anguish by people because of XXXX XXXX ... 
They prey on people of modest income that can not afford an attorney!!! 
This is BULLYING - is it not!? 
This is Vexation Litigation - is it not!? 
I had good credit - then while self-employed my health got bad, and i was no longer able to gainfully work! 
As a result my credit suffered when I was unable to pay some debt - of which I have worked hard to repay all that I could! ... 
The XXXX Co Magistrate Court certainly seems to be enabling the XXXX XXXX law firm and XXXX take advantage of people of modest means - in effect BULLYING them legally! Oppressing these folks that have perhaps suffered injury or health concerns and become unable to pay off their debt! Ca n't some means of humanely methods be used for debt collection, without BULLYING folks!? " From a recent letter to the Chief Magistrate ( newly elected ) : " Notice : they NEVER INTENDED to honor the Consent Judgment, it seems clear!!! 
I have already sent to you copies that should prove this claim! 
Mockery of justice!? Mockery of XXXX Judicial system!? 
Vexatious litigation!? 
Bullying of XXXX County citizens, and allowed and supported by this court!? " That is : their statements NEVER reflected the agreed amount in the Consent Judgment!!! 

Prior to XXXX XXXX I had been voluntarily paying this debt to another agency, with no problems! Then XXXX XXXX got involved ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was released along with that of many other consumers in the Equifax hack, putting me at risk for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts and Inquiries Appearing On Credit Report. 

XXXX. XXXXXXXX XXXX {$710.00} XXXX. XXXX XXXX {$720.00} XXXX. XXXX XXXX {$270.00} XXXX. XXXX XXXX {$720.00} Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX
Product: Mortgage

I've been having problems with my XXXX, been seeing a doctor in XXXX as a result I have XXXX  XXXX XXXX and XXXX, I have health insurance but still have to pay 20 % each time I go which is twice a month if not more. 
I filled out a loss Mitigation forms with loancare but the denial my claim. 
I just can't seem to get back on track with my payment. My mortgage payment is about to be 3 months behind, I've been sending them money as I have it but they aren't putting it on my mortgage payment. They just keep adding late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent XXXX  XXXX has been removed from my Account # XXXX XXXX and TransUnion are fraudulent on the following accounts : XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX on my credit Acct # XXXXis fraud. 
XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX  is fraudulent on my Account Number : XXXX XXXX is fraudulent on my Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize this credit inquiry I ask to remove bureau but they did not remove and I reported Idenity theft report. i request this be removed
Product: Prepaid card

I have 2 American Express gift cards with low balances and I can not find a store who will take them. Even the stores that took them the first time will no longer take them
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership on XXXX XXXX and applied for a car loan from XXXX XXXX XXXX XXXX, and they stated they would be the only company to run my credit. However, I got a copy of my credit report and there are several inquiries from other companies that I did not authorize to check my credit report. I also did the same process on XXXX XXXX with XXXX XXXX XXXX to obtain a car loan, they stated only their company would check my credit and there were several companies that checked my credit resulting in several credit inquiries. I have tried to contact the companies and the credit bureau to have them removed but they refused to remove them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. 

A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. 

Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. 

Huntington Bank - is refusing to do anything they are basically acting like they know nothing. 

XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. 

XXXX XXXX XXXX does not have a number where you can actually reach a person or leave a message. 

There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested 5 times to have this credit freeze removed. Equifax is not removing the freeze after I have provided the Pin # and the requested personal information. This is preventing me from applying for credit and obtaining a new car loan. The Confirmation Numbers Provided to me are : XXXX from XXXX/XXXX/XXXX XXXX from XXXX/XXXX/XXXX Each time I call, I am told it will be processed in 15 minutes. Its been 4 days and 5 phone calls later it is still not removed. I have also tried removing it online. and I receive a message that it has been processed and it remains in place. They told me their was an address discrepancy. I have also provided Equifax with proof of my address on several occasions. A representative from the dispute department stated the documents were received and verified. Incorrect Address : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries and inaccurate addresses reporting on my personal credit report. I contacted the company and asked them to remove their inaccurate information from my credit profile. I request that 3 CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate addresses on my credit report. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries inaccurate addresses as soon as possible : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus a letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds 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. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.my financial institution and Zelle failed to investigate my claims adequately, they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection with Equifax several times in the past year. The collection agency is XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with Equifax several times in the last few years. Every times it comes back as verified by Equifax. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor , XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. 

I have informed Both Equifax and XXXX XXXX XXXX That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. 

This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI XXXX ) I called for a deferment for a few months due to the Covid 19 Pandemic. They agreed that a ate payment for the following 3 months would not report as a late pay on my credit report and they did not comply ... to my surprise I have my credit report to be qualified for my 1st home and there is the late payment that they stated they would not report ... this is killing my score and now i do not qualify for the home ... i need this reversed immediately to read paid on time ... .I need the 30 day late for XX/XX/2020 updated to paid on time as we had an agreement.
Product: Debt collection

I have never done with this debt collector, nor do I owe them any balance. I have never been in agreement to work with them. I have requested for this debt to be validated multiple times. When I submit a request, the company retaliates by adding derogatory comments or marks on my credit bring my score down lower. They have even deducted {$1.00} from the balance. There are various inaccuracies regarding dates across all XXXX bureaus. I am requesting evidence in the form of a signed agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I first purchase my time share back on XX/XX/XXXX I asked if this Time Share was apart of credit. I was told No. I was explained that because I choose the package base on what I could afford for my monthly payment that this had nothing to do with my credit. I was told that as long as I made my payments my balance would decrease. I continued to make my payments up to XX/XX/XXXX until I realized that all the money I had paid never decreased my balance. I Met with a representative on XXXX and explained to them that I was not interested in the time share based on there misrepresentation on there behalf. I was asked to sign a Document which I declined I was then shown documents that showed a very high interest and was told that's why my balance never decreased. I was told that they would help me but all they did was pull my credit with out my consent offering me a different property. since then I stop making payments because from XXXX to XXXX My time shared should have been paid off. I am a victim of fraud I was told lies to purchase the time share and once I made them aware of their fraudulent acts they started to report negative on my credit report. I receive six calls a in total on both of my phone numbers from this company. I stopped answering their calls because I was threaten that if I didn't pay that this would only effect my credit. I asked for ways to close this account because of their false representation. All they offered was higher packages in different locations. This has a been a nightmare and has had a horrible impact on my credit. They Lied to me to get me to purchase this Time share I didn't figure out the truth to years later when i knew it should have been paid off and that they had pulled my credit to get me approved for the package that i choose. Every time I stay at the time share I was told that I owned i had to pay {$500.00} to {$1000.00} to stay there. So I paid a Mortgage and I paid to rent when i stayed this is Fraud.
Product: Debt collection

Called my work and my wifes work. Saying they were going to send me a subpoena, If I did n't call them with in the hour. I called them and they are telling me they are issuing subpoena to me and my wife. They claim to have sent me paperwork on this three weeks ago, I received nothing. I asked them to send me the document again they claim to not have the document anymore. They offered me a payment plan of {$990.00} on time or a 5 time payment plan of {$330.00} or they would have to send me a subpoena today. I told them to have the local Sheriff deliver it to my home address. The gentlemen got upset and hung up on me. This dept is over 12 years old and this is a third party dept collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries was not done by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON THE REPORT 2 TIMES XXXX XXXX XXXX XXXX XXXX ON THE REPORT 3TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON THE REPORT 3 TIMES XXXX XXXX XXXX XXXX ( ON THE REPORT 3TIMES XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Information Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report. I have identified several inaccuracies associated with a late payment on my account, which I have detailed below : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX According to 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( a ) ( 5 ) mandates that any disputed information found to be inaccurate or incomplete must be promptly corrected or deleted from the consumer 's credit file.

The inaccuracies in this account include : Please delete this Late payment for incorrect information. 
Given these discrepancies, I am requesting that you either update the information to reflect accurate details or remove the account entirely from my credit report. Failure to comply with the above-mentioned statutes will necessitate further action. 
Please be advised that if my request is not satisfactorily addressed within 30-45 days from the receipt of this letter, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy on my credit report as provided for under 15 USC 1681n and 15 USC 1681o . 
Attached, you will find copies of my credit report highlighting the inaccurate information, as well as any supporting documentation to substantiate my claim. Please conduct a thorough investigation and respond in writing to confirm the resolution of this matter. 
Thank you for your prompt attention to this important issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed all the outdated information on my account and Experian didnt work on my account to get it cleaned up as I requested. I asked them to remove all the past addresses, names, phone numbers, etc from my account and they didnt do anything. They just closed my request. I had also disputed items that dont belonged to my account, sent them letters, and they didnt do an accurate check ( investigation ), they just told me that everything will remain as it is.