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

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXXXXXX XXXX XXXX XXXX. They stated that my personal information was accessed and downloaded from the banks database and a Fileshare during periods in XXXX XXXX XX/XX/year>. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXXXXXX XXXX  and trust and also a FTC report.
Product: Debt collection

The phone numbers listed have called me everyday, since XX/XX/XXXX. Sometimes every other day. I first received a phone call from XXXX and the individual stated " XXXX, do you plan on paying ''. They did not specify who they were or what the company was. That number called everyday, multiple times a day. I told them i paid my bill and to stop calling. Ever since then the XXXX number has called everyday. I told them I paid my bill and to stop calling. 

on XX/XX/XXXX i finally answered the phone and spoke to a guy who claimed I didn't pay a bill. We spoke for about 20-25 minutes and told me an amount that does not match up to any of my past purchases. I actually went to the company i made the purchase with and the " debt collector '' is asking for more than that amount. before the phone call ended he purposed an offer that was about 60 % off the debt. I told him id talk about this to my wife. He then called 2 times that same day and 2 times today ( XX/XX/XXXX ). 

" This is an attempt to collect a debt, and any information obtained will be used for that purpose '' was never recited to me during any of the conversations. I never got any letters. 

This purchase was made back in XXXX. I know we paid it but to be 100 % certain i have pulled all 3 credit reports and have contacted a handful of debt management companies and its not on any reports. I believe this is a scam and I would like this company to stop calling me, especially everyday multiple times a day. I was even threatened with him telling me its in legal status.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am reaching out to bring to your attention concerns regarding the handling of my credit information by Lexis Nexis. I believe there may be a violation of the provisions outlined in 15 U.S. Code 1681s2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Personal Tracking Information : XXXX XXXX XXXX XXXX XXXX ( XX/XX/2023 ) XXXX ( XX/XX/2023 ) XXXXXXXX XXXX XXXX I am disputing XXXX XXXX XXXX information listed on my credit report, as reported by Lexis Nexis to XXXX. 
Despite multiple requests, I have not received proof of the verification process for the updated information, particularly regarding its accuracy. Regrettably, Lexis Nexis has failed to provide any documentation, raising concerns about their compliance with the FCRA and their responsibility to furnish accurate information. According to Pacer and the US Bankruptcy Court, they do not provide this information to third parties.

In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a comprehensive investigation into Lexis Nexis ' practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate removal of the unverified and inaccurate information from my credit report. 
Your attention to this matter is essential for ensuring fair and accurate credit reporting, and I appreciate your assistance in promptly resolving this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent an e-mail to TransUnion with copies of documents that they requested in .PDF format, encrypted in a 7zip compressed file ( with instructions about how to access the documents )- so that they would unlock my user account. 

The account had been locked in a previous year, because Trans Union had erroneously allowed someone to sign up for a user account with access to my account. 

I received a response from a TransUnion rep requesting that I send them the information again, in a plain unencrypted e-mail. 

Despite several requests from me after that, they did not respond to a request for a method to send them the personal identifying information in an encrypted fashion.
Product: Money transfers

I recieve a call about getting Grant money to my account, they ask for a fee to do transfer, I sent them {$220.00} from with Western Union track # XXXX, after I sent them the money they did not transfer and ask for more. They have me call this number XXXX and the reciever is XXXX XXXX in XXXX.
Product: Vehicle loan or lease

My inquiry deals with a suspectedpredatoryloan I got through Santander Consumer USA ( financer ) and XXXX XXXX ( dealership ) in XX/XX/XXXX. I have a 72 month contract financed at 21.04 % for a XXXX XXXX XXXX. I'd roughly pay {$760.00} per month. My father co-signed the loan with me, I traded in a car that was being financed through XXXX that the dealer ( XXXX XXXX ) said they would pay off ( not true in the slightestsince the balance owed was added to my contract ) and I receiveda rebate of {$4000.00} since they were making room for newer models. 
At contract signing, principal was {$30000.00} and at present principal is {$23000.00}. To date, I've made {$25000.00} worth of payments includingmiscellaneousfees. Only {$7000.00} of that has been applied towards principal. My father filed for bankruptcy earlier this year and since then, I have been denied access to my loan account by Santander, the loan has been removed from my credit profiles along with payment history by Santander and my account is ineligible for assistance due to the co-signer filing for bankruptcy.A class action lawsuit was settled by Santander in XX/XX/XXXX and it alleges Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. I fall into this demographic but Missouri was not apart of the 34 state AGs that brought on the suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute, several times now, because XXXX refuses to fix my credit report. My XXXX XXXX loans are all DISCHARGED AND CLOSED. I want them removed. I disputed it with XXXX. XXXX sent me a letter saying Navient is claiming that they are not closed and refuses to remove them. One of the two of them is LYING because I have proof they are closed. This is the THIRD complaint on XXXX. SOMEONE NEEDS TO DO THEIR JOB AND FIX IT. I am ONCE AGAIN submitting proof the loans should be reported as CLOSED.
Product: Debt collection

I never lived here I am writing to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, FAIR COLLECTION & O / XXXX XXXX does not have a license to operate in the State of XXXX, where I reside. 
I have enclosed evidence to support my claim which confirms my residency in XXXX where i have been living for 10+ years and still am living. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, XXXX law requires debt collection agencies to obtain a license from the XXXX Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. 
Given that FAIR COLLECTION & O / XXXX XXXX does not have a license to operate in XXXX, I request that you immediately remove this collections account from my credit report and anything that has to do something with this debt as it is in violation of the FDCPA and the RFDCPA Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On or before XX/XX/21 I was in a case accident which in turn was deemed totaled. I filed for my claim with my insurance and received the amount due. There was a balance in which my XXXX was to pay off after putting in my claim, my finance company, Chrysler Capital did not ( per both parties ), send in their paperwork in a timely manner and my claim to payoff my totaled car, so even as today, I have on my credit report which is going up, as still outstanding as not paid! I am furious!!! Nobody even after paying my premiums on time, has acknowledged nor attempted to pay in full my pending balance as of XX/XX/21. COVID, caused me a hardship and was hospitalized and since the accident, I have not had the opportunity to purchase another car because of the non responsiveness of both Chrysler Capital & XXXX. Im a senior citizen whos XXXX and need transportation. This is not my fault. Someone need to take full responsibility for leaving me without transportation. Im also on oxygen since COVID and walking to a bus stop is impossible. Thank you
Product: Debt collection

I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Product: Credit card

My cell phone signal was faulty, I received a text message from XXXX XXXX to download a XXXX XXXX. I clicked the link and it took me to my account profile where is downloaded the new esim. This apparently gave the hacker access to everything, including my wife 's information. The hackers locked me out of my phone, disrupted my cell service so I could not authenticate myself for the credit and banking entities. They subsequently opened a PayPal credit card, and charged {$10000.00}. Accessed my credit card and charged {$2500.00}. Accessed my wife 's credit card and charged {$20000.00}. Locked both of us out of our emails and every account we had.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXXXX/XX/year> a hard credit check was one  in my account by THE HOME DEPOT/CITIBANK . I did not authorize this check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX, ACCT # XXXX, ACCT # XXXX, and ACCT # XXXX but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly review my report, but this time, I found unexpected discrepancies. I even tried refreshing my browser, hoping it was a technical issue, but the errors remained. Because of this, I am requesting a thorough review of the documents I have submitted so that I wont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters on XXXX/XXXX/22 disputing inaccurate information from my consumer credit report regarding accounts that I'm not familiar with. I still haven't gotten a response or any mail concerning my disputes which I am concerned about I read a law that stated these accounts are in violation of Section 623 ( e ) I read a book learning the FCRA prohibits information furnishers from providing information to a credit reporting agency that they know or have reasonable cause to believe is inaccurate. This is also another violation I thought the credit bureaus had 30 days to respond my consumer rights have been violated its been well over 30 days and per fcra, these accounts should be deleted immediately. These violations have caused me stress and the amount of time I can't get back trying to figure out why the bureaus violated my consumer rights I feel as tho they have played with my emotions and time. These accounts are illegally reporting and hurting my consumer report which is causing my life stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account Opened : XX/XX/20, 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: Debt collection

Capital One is a Corporation that continues to pursue an allege debt that I've requested a cease and desist. They are reporting the debt to all three consumer reporting agencies. XXXX XXXX, and XXXX  without my authorization which is considered identity theft according to Federal law United State Code. Also, Capital One you have ask for my social security number for fraudulent purposes is a felony pursuant to 42 USC 408 ( a ) ( 8 ) ( 9 ). You closed my credit account without my permission and according to 15 USC 1602 ( p ) The term '' unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Also, according to 15 US Code 1611- Criminal liability for willful and knowing violation. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( A ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more that {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM THE CFPB THE DOCUMENT NEEDED AS A LETTER DEOM THE ADVOCACY GROUP HELPING ME DUE TO XXXX  XXXX  DEBT XXXX.ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL THE FOLLING ACOIUNTS OFF MY CREDIT REPORT IN 4 BUSINESS DAYS BECAUSE I AM A VITIM OF XXXX  XXXX. THE LISTED ACOOUNTS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute letter disputing that XXXX XXXX XXXX is reporting two different collection accounts that have surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that these accounts will remain on my credit report. Although I disputed both accounts with all three bureaus, under the purview of the same statue of limitation, one or none were removed from my credit report ( s ). 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Collection amount : {$7600.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Original Creditor : XXXX XXXX Collection amount : {$6700.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 card

Discover credit card, Says I can only do write in letters? My behavior, how's Discover behavior been last 3 years. Blaming, accusing, won't take calls, blocked my number on XXXX XXXX, it's now XXXX and they still saying no calls. Told Me make a XXXX minimum payment, and charging off My account of end of XX/XX/2023! Back and forth, no results, and transferred around and around. Told my case was reopened on XX/XX/2023, no information from Discover at all. I won't send in a letter anymore, they don't tell they received anything or emails
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

American Express has failed to resolve this issue after 65 days. 

In XX/XX/XXXX American Express informed me that one of my 2 accounts was overdue, although I have consistently directed payment from my bank account to each of 2 accounts at American Express, one paid {$45.00} on the XXXX of every month and the second paid {$45.00} on the XXXX of every month. There has been no change whatsover in my monthly payment patterns. 

In XX/XX/XXXX I responded to this incorrect accusation by telling American Express in several phone calls that they were erroneously applying one of my 2 account payments to the wrong account. 

Their only response to this complaint was to start denying my current charges on both accounts, including the one where they were accruing payments incorrectly, and where credit must be shown to be available. 

In addition, I have been locked out of my accounts on the American Express website. When I called to demand paper statements via mail on both of my accounts, American Express failed to respond. Accordingly, I have been denied records that can prove my case against American Express ( other than my own bank records, which are very clear ). 

CFPB can examine their records and see that this is not the first time American Express has done this. I made an identical complaint to CFPB in XXXX, as well as in XXXX and in XXXX. 

By my account, this is the 4th time American Express has deliberately allocated payments incorrectly on my 2 accounts, and each time they have acrrued incorrect fees for an extended period of time. 

Either American Express has a serious security problem on my account records, or they are deliberately continuing a lengthy pattern of abuse on my accounts. 

Several times American Express has sent incorrect information to the credit reporting agencies and has been forced to retract. 

I strongly urge CFPB to examine American Express consumer practices and to deny them the opportunity to open new accounts until such time as all cases such as mine have been corrected with full compensation repaid to all consumers filing complaints. 

XXXX XXXX XXXX filed XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX continue to violate federal law with not preforming consumer disputes investigations per federal law. All three bureaus continue to use information that they are obtaining directly from the creditors which is against federal law and a direct violation.
Product: Debt collection

I have been receiving threatening phone calls from XXXX XXXX to collect on a debt for a vehicle that was repossessed in XXXX. I was first told that the company was a law firm but when I spoke to someone at the return phone number they only refered to themselves as case managers. They have told me that they are sending someone to my house with a summons, that they will be suing me, that they are in the process of putting a lien on my current vehicle, they threatened my credit and my husbands who was not part of the original debt. Most recent calls were yesterday XX/XX/XXXX and today XX/XX/XXXX. Today 's message also stated that they " firm '' is ready to take legal action and they are having the information forwarded to me and without further notice stating the phone call was my notice. I told them that the debt is outside the statute of limitations and they told me that they still had the right to collect on the debt.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Valon Mortgage made a mistake in the type of my property and forced me in buying two insurances ( one hazard insurance in XX/XX/2022 and another lender 's insurance without notifying me or reflecting it in the mail. I contacted them 3 times and they refused to resolve.
Product: Credit reporting or other personal consumer reports

Fraudulent account on my credit report ( XXXX  XXXX account number XXXX ). 
I am disappointed that my information has been compromised by identity theft. Im trying to buy a house for me and my family and this has put a serious hole on the process. By the FCRA 15 C 1681G my information should be safe and secure and its not. My information has also been in a breach. According to section 605B of the fair credit reporting act requires consumer reporting agencies to block frozen information on a consumers credit report if that consumer claim it was a result of identity that credit reporting agencies must block the information within four business days from receiving this information.

Fair to respond with deletion of the above reference account and sent out a free copy of my credit report will result in legal actions being taken against your company for which I will also be seeking XXXX per violation for defamation of character, negligence, enablement of identity theft, section 1681EB of the fair credit reporting act.