23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX - {$9500.00} - XXXXXXXX XXXX XXXXXXXX - {$1500.00} - XXXX, XXXX XXXX XXXX XXXX {$10000.00} - XXXX  UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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 of 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 been having a hard time extending new credit for myself. I recently reviewed my credit report and noticed there are several inaccurate items on my report. I understand that the information reported on my credit report must follow an industry standard format called Metro 2 and my information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately and they are not metro 2 compliant. I have sent multiple letters to the credit bureaus to get these items rectified but the haven not yet responded or investigated into these issues. 

This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX In accordance with tine 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, 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 XXXX XXXX # : XXXX, Account name : DEPT OF EDUCATIONXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Four years ago I requested Chase Bank NA to refinance my mortgage by reducing the interest rate. I was made to believe that my interest rate was reduced to 1.5 %. But last month I received a notice that my interest rate is going back to 5.5 %. I called Chase Bank, and was told that my mortgage was modified for 45 years. I almost XXXX of XXXX XXXX. My original mortgage is for 30 years and I have been in my house for 13 years. I then started to seek to refinance my mortgage through other Mortgage companies. I received confirmation that my mortgage was extended to 45 years. This is definitely criminal. ***I also received a notice from IRS for not including XXXX for {$10000.00} income from Chase Bank.As a result, I had to pay IRS {$1600.00}. I called Chase and was told that it was savings from modification of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICOLLECT is listing 2 tradelines on my credit report that must be deleted immediately from my XXXX report. The tradelines have already been deleted from XXXX and XXXX but not XXXX. 
The first tradeline list nin collevtions on my credit report is for the amount of {$59.00}. This trade line states the account was opened XX/XX/XXXX and was addedd to my credit report this pass XX/XX/XXXX, which is against the rules of XXXX and the credit reporting agencies reporting it. The 2nd debt in the amount of {$68.00} I have submitted a request to verify this debt and send me the bill or statement and they refuse to validate this debt and the other debt like I requested and send me the info. I am requesting these two tradelines be deleted from my XXXX credit report immediately.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Provide the orginal copy of the written notice of debt sent also provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Debt collection

I have communicated several times to  Professional Bureau Of Collections of Maryland representatives to DO NOT CONTACT me at work. This collection agency   has been requesting a copy of my credit report and I currently do not have a reported debt with this agency. I have NOT received any written notification of any debt that is owed, yet this company keeps calling from a multitude of different numbers on my office phone and is now going through the operator switch board.
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 # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  XXXX Account name : XXXX XXXX  XXXX, Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Money transfer, virtual currency, or money service

am filing a complaint against Cash App Block , Inc. ) due to inadequate customer service and unfair practices, which violatethe Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 34 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations.
Product: Debt collection

An automated caller keeps calling my cell phone and my work number saying I must call back today about " sealed documents. '' When I called back today, XXXX XXXX said he was from Concord Resolution and said I needed to speak about " sealed documents. '' He would n't give me information in regards to what the debt was nor would he send me the proper paperwork about this so-called debt. He also said there were XXXX numbers on file for me!!!!!
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called XXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me to be 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, and XXXX with no successful resolution. Experian reported me 30 days late in XX/XX/. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt, I did not have the opportunity to dispute this debt, I did not receive proper notification if in fact you believe I received proper notification please provide the certified mail with receipt with my signature on there stating I received it. XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I'm writing to express my appreciation to you for your efforts to have some of the false accounts on my credit report removed. But my gratitude is eclipsed by my intense anguish and despair over my identity theft dispute 's unresolved status. 

It is discouraging that not all of the accounts I am challenging have received attention, even though I appreciate the actions that have been performed. I'm left feeling unsettled and upset by this unfinished business, since it puts my mental and financial security at risk. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am aware of the complexity of these kinds of disagreements, but from my point of view, it is imperative to appreciate the seriousness of the circumstance. My credit report is being tarnished by these bogus accounts, which causes me more XXXX  and worry with each passing day. 

I beg you to hurry up and see to it that every one of the aforementioned accounts is looked into in great detail and resolved as soon as possible. Your undivided attention and diligence are needed to see this situation through to a satisfying finish. 
I anticipate receiving a written response to this disagreement letter and a promise that my identity theft accusations will be swiftly resolved. I demand that your agency respond in a timely manner as required by law, and I won't stand for it I look forward to a swift and comprehensive resolution that finally puts an end to this ordeal.
Product: Credit card

Back in XXXX I fell into the trap of a scamer, who offered me a great salary bu joining what he called the XXXX XXXX XXXX, in which I was going to sale products online, but he said I had to have a credit card, and he got me on a XXXX way line in which he could see what I was doing on his end, and guiding me into filling out an electronic application for XXXX capital one, due to his pressure I followed his instructions promptly. But to put it in a nutshell, I found out online about the scam in which many have fallen.. for XXXX XXXX XXXXXXXX XXXX After receiving the XXXX card by mail, I mediately reported what had happened to me to capital one, and had asked them to cancel the card ; however they never did. So vebturex capital one expected me to pay {$470.00} dollars for what they claimed a passed due fee. Recently I found out through Expedient that they are holding me accountable to pay XXXX Capital One {$570.00} again for passed due fees, and for a card of which I reported why I was canceling it remediately. I called XXXX XXXXXXXX XXXX  to tell them once again to close the venturex account, and finally did. I called Capital one today XXXX XXXXXXXX XXXX to bague to please remove this charge of {$570.00} and because I'm also going through severe hardship due to both recent hurricane : XXXX and XXXX. I don't make big wages, and have the brunt of so many bills to pay, and I'm single, and have no relatives here in XXXX. All bills combined are rather insurmountable, and I bague to please help me, so that this charge will be removed, and will not ruin my credit, as the charge is posted on XXXX. Please help me, and Thank you. 
XXXX XXXX
Product: Bank account or service

I opened the  KeyBank  account back in  XXXX   XXXX    XXXX   with the sign up bonus promotion of {$300.00}. I met all the criteria for the bonus but has never received it. I then contacte d KeyBank and found out that the promotion code I gave to the clerk was never submitted to the headquarter. I spent another 2 months to resolve the issue myself but it appeared KeyBank is delaying the process until I give up.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX are 7 year old closed accounts however ; negative information is affecting my ability to get a home loan. Requesting removal of negative comments from account due to inability to get a home loan with account reflecting late payments on a closed account over 7 years old. Payment status table should be removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I want to report an incident of identity theft. Upon receiving a copy of my credit report, I was surprised to discover multiple accounts that I never opened and am unaware of. After conducting research, I learned that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov to remove these fraudulent accounts from my report. I have attached the necessary documents to assist in blocking the erroneous information posted to my report. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$210.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$75.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX  Bankruptcy Reference # : XXXX XXXX XX/XX/. According to Section 605B of the Fair Credit Reporting Act, Credit Reporting Agencies are required to remove any accounts listed on an ID Theft Report.
Product: Mortgage

I have been getting the runaround from Selene Finance since XXXX of XXXX. My loan was transferred from XXXX to Selene Finance. I have a previous complaint against Selene : no XXXX. Unfortunately, the issues have not been resolved. On or about XX/XX/XXXX, I received loan modification docs with my Ex-Wife 's name. I sent Selene an email to notify them of the error. They asked that I send them a copy of the quitclaim and divorce decree. I sent it close to 10 times, and they've denied receipt for the past three months. 

I had to file a complaint for them to honor the original modification agreement with XXXX. However, I called today, and they informed me I would have to begin the process over. They did not provide any sound or logical reason.
Product: Debt collection

I received a Collection on my report and call them when they sent me the mail. On XX/XX/2023 I reached out to the company spoke with a representative and explain to her that this was illegal and explain this account was closed in good standing. I went to a XXXX XXXX XXXX store during covid because I needed the internet for school and I signed up for their {$55.00} internet wireless device that I was able to connect multiple devices and stream movies. Well the sales representative and according to the agreement I had 30 day to try it out and if I didn't like it then your hands are clean. It was a trial base. Well it didn't work very well where I lived and took it back under the terms and agreement and they even issued me a refund for the device I overpaid. But now they say I owe {$160.00} for service fees. I informed them to send me the contract and bill and they have not done so. I also stated that this was a trial and those who got it like my friend did and he didn't get this charge himself. She told me that its a service for fee and I told her what the sales representative told me and she said no its not the equipment its the service. I told her she was not present during the conversation with me and the sales representative. They made me get the internet box and t a phone that I didn't need or use because it needed to be connected to data. Well come to find out that this was not true and the sales representative violated California Frivolous laws that protect from mis representation and lies just to make a sale. So she refused to send me the copy of the contract the bill.
Product: Credit reporting or other personal consumer reports

I initially made a dispute, but then I realized that the payment was accurate. However, I did want to explain the circumstances surrounding the late payment. I have a chronic XXXX and have to take a medication daily to treat it. Starting in the summer of this year, the medication went on a nationwide shortage that can be tracked according to the XXXX. Without my medication to treat my XXXX, I was unable to keep track of my expenses diligently. I spent much of my time communicating with providers, pharmacies, and insurance. I would like to ask for removal of this late payment due to extenuating medical circumstances that prevented me from making payment on time. Aside from that late payment, I am completely current across all payments and accounts.
Product: Credit card or prepaid card

I applied on-line for the card, I entered a balance transfer request of XXXX, it was approved on-line, the website stated that balance would be transferred and the card would sent in a few days. Before I got the card I got a letter ( attached ) that said the balance transfer did n't go through because they did n't have the correct address. No other reason was given as you can see on the letter. I called them to give the proper address, at which point they said they would only approve XXXX for balance transfer. I feel like this was a bait and switch scam.
Product: Credit reporting or other personal consumer reports

ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF XXXX XXXX THESE ACCOUNTS WERE THE RESULT OF THAT XXXX  PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE.
Product: Credit card or prepaid card

I received a pre-paid card from XXXX  XXXX  that would have the money I would receive from the company for donating. I have since stopped donating and requested my account be deleted by both octapharma and by Comdata. XXXX emailed saying Comdata would be the only company allowed to delete my account and Comdata have stated the XXXX company must reach out to them for the account to be deleted. All of this took place on XXXX XXXX and either company has done as I have asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : - ; XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 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: Student loan

I have been paying this loan for over 10 years and the loan amount should have be decreased by a substantial amount yet is not