23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have notified these consumer reporting agencies on multiple occasions to have this account removed from my consumer report. The collection is paid and is still showing on my consumer report as a derogatory account and its affecting my house buying power as well as me getting acces to funding. In accordance to the No Surprises Act, I know this medical bill should not be on my consumer report and is in complete violation of the No Surprises Act and needs to be deleted immediately. 

Also in accordance to FCRA 15 U.S. Code 1681o Civil Liability for negligent noncompliance which states that : ( a ) Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance states that : ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liabale to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissable purpose, actual damages {$1000.00}, whichever is greater This means that the consumer reporting agencies XXXX and XXXX are not in compliance with this law because they are not deleting an account I have disputed numereous times and told them to delete it because this account is not of value to me as a consumer. This account is damaging to my consumer report and needs to be removed immediately. Also I never gave RMC ( Receivables Management Corp ) the right to have my medical information and never gave them the right to report this account to any consumer reporting agency on my behalf. 

I am requesting this account be removed from myconsumer report immediately!
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Information of complaints : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card with XXXX XXXX and XXXX XXXX XXXX. There is a fraudulent account with XXXX XXXX XXXX XXXXXXXX with a deposit bank account. There is fraudulent activity with an account with XXXX. The accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Capital One Credit Card Balance {$9600.00} Last Reported XX/XX/2022 Closed on XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Contacted company several times. Still reporting negative information
Product: Debt collection

I NEVER GOT VALIDATION OF THIS NOTHING VIA MAIL OR ELECTRONICALLY
Product: Checking or savings account

Wellsfargo owes me money from XXXX accounts. They are claiming that they can't find my letters. They owe me over {$1200.00}. I have tried to resolve this matter with them directly, but they are giving me a hard time. I have been with them for over XXXX years. I would like my money back, please. They also would not allow me to speak with a supervisor either. I would just like this problem solved. We had XXXX accounts with them, but only XXXX are active now. I am thinking of leaving this bank. Way too much fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

purchased chase bank cd for XXXX dollars on XX/XX/XXXX XXXX interest was to be dispersed quarterly. a checkfor XXXX dollars was supposed to be sent. it wasnt. Branch manager can not give me a reason or a date when this will. I was told that it wasas sent XX/XX/XXXX but he can not confirm.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thanks, XXXX XXXX XXXX in Need of Deletion : INQUIRIES XXXX. Account name : XXXX Account Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Opened : XX/XX/XXXX
Product: Checking or savings account

A Chime account was created using my email on XX/XX/2024 at XXXXXXXX XXXX EDT. Chime did not require this person to verify this email, thereby allowing them to make this fraudulent connection. When I called the number in the account creation email ( XX/XX/XXXX XXXXXXXX XXXX EDT ), listed as " Didn't sign up for Chime? Give us a call at XXXX ( XXXX ) XXXX for assistance '' The customer support associate refused to assist me unless I gave her my legal name, which is not associated with the fraudulent account. As far as I can tell, there is no other way to disconnect this account from my email, or to delete the account entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Account # 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
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and XXXX due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received an alert on XXXX XXXX that a hard inquiry was done to a company named BARCLAYS BANK DELAWARE. Which I never applied for. I contacted company due to another email that my application was under review. They informed me that there was no application but can be due application was not yet approved. Again I never reached out to company for request of credit service.
Product: Credit reporting or other personal consumer reports

After asking to remove late payments, XXXX insists but cant prove any late payments. Their system showed late payments After I made a payment THEY asked for. NOW, Experian is showing a XX/XX/2023. 30 day late payment????? 
I was denied a Mortgage based on this false XXXX. 

I need a letter and all late payments removed and a statement showing XXXX was wrong. 
This is ridiculous XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Debt collection

On XX/XX/XXXX I called the debt collector as I have done several times before in the past since XXXX. This account is not associated with me. This is on my credit report and making it impossible for me to do what I need credit wise because of this account is reporting incorrectly. This is not my account. I have made a ftc report and faxed into the company they disregarded the police report which is against the law.I have reached out to the bureau about this issue and nothing has been done.
Product: Credit reporting or other personal consumer reports

I have inaccurate data on my credit report. 

I'm challenging inaccurate personal information listed below. 

The information about my name is not reported accurately. 

My current address is not listed accurately. 

Certain information about my date of birth is not accurate. 

I'm challenging inaccurate accounts listed below. 

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

This debt was sent to a law firm and went to court. A judgment was paid in full to the law firm. The Satisfaction of Judgement and Release of Lean was signed XX/XX/2023. Case number XXXX. All monies were garnished from my check bi-weekly until the judgement and debt was paid in full. See attached court documents proving all debt was paid in full.
Product: Debt collection

I asked them to validate the debt and the purchase agreement that they have to collect that however theyre not able to provide me with any information
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that i would like removed, according to the FCRA these unverified and unauthorized items must be removed..i did not authorize these companies to run my credit and that is fraudulent
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account name : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX  I did business with for year when I left they said I owed on both my accounts well knowing that was untrue I disputed but they still charged off both accounts and refused to provide a copy of the XXXX which is illegal and still reported to all credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX put an inquiry on my credit report without my consent and I want it removed because its hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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.
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 XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX 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 year
s.

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

Hello when I was XXXX I went to trade school and took out 2 Federal Loans through XXXX in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 
1st Acct # XXXX 2nd Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : Here is a concise summary of what has occurred. FromXX/XX/XXXX to XX/XX/XXXX I took out three student loans ( XXXX, XXXX and XXXX ) in the amount of {$25000.00}. InXX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$14000.00} disbursed XX/XX/XXXX & XX/XX/XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/25 applied for loan on XXXX XXXX for One Main Financial with a total of {$20000.00} and APR of 17.5 % to consolidate credit cards. I received notification that loan was approved and to set up an appointment to discuss with OneMain Financial. They called me at XXXX XXXX today XX/XX/25 and provided a rate of over 35 % for {$14000.00}. This is false advertising and a complete bait and switch. Although I did not accept the terms, this has affected my credit that I am trying so hard to improve. I also did not authorize One Main to pull my credit as I would have questioned this since it was already approved per my notification. I would like the mark on my credit removed. One Main needs to provide a disclaimer on XXXX XXXX. The manager stated they are a 3rd party and cant control them however they are acting as their agent and are 100 % responsible.
Product: Credit card

Given below are two examples of the charges on my US BANK VISA card bill : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were 13 charges of this type. I did not recognize these charges so I contacted US BANK over the weekend to get more information and was told that the only way I could get more information on these charges is to claim fraud, in which case I would have had to get a new card. 

I then contacted the above telephone number, XXXX, which turned out to be the telephone number of XXXX. I called that number repeatedly and they were never able to find these charges on their system. 

After calling US BANK a number of times and getting the same message that I had to claim fraud to get more info on these charges, I finally got to someone at US BANK that was willing to violate that policy. 

He told me that all the charges came from places in Connecticut. From that I figured out that a wealthy relative had accidentally charged restaurant bills on my credit card. He fixed the problem and is going to send me a check for the false charges. This resolves the immediate problem. 

-- -- -- -- -- -- -- -- -- -- - It should be much easier for me to get more info on US BANK charges without having to claim fraud. XXXX is partially at fault for not being able to find information on the above charges. 

I hope that the CFPB can persuade US BANK to make it easy for me to get more information on specific charges without having to claim fraud.