23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I settled all outstanding balances on three credit cards. However, on XX/XX/XXXX, I noticed that interest charges had been applied to each card for the XXXX statement cycle. I contacted Capital One to seek clarification on this matter and was transferred between multiple agents who provided inconsistent explanations. Eventually, I spoke with a supervisor who feigned hearing difficulties when I inquired about the rationale behind the interest charges for a statement cycle during which the account balances had been reduced to XXXX. Despite maintaining a respectful demeanor throughout the conversation, I encountered condescending attitudes from the customer service representatives. Unfortunately, I did not receive a satisfactory resolution or a clear explanation for the aforementioned charges.
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 U.S.C 1681. 
XXXX : Account Number XXXX, XXXX : Account Number XXXX, XXXX  XXXX  : Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, XXXX XXXX : Account Number 1968, XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, has violated my rights. 15 U.S.C 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. ADDRESSES not mine. 
XXXX XXXX XXXX  XXXX, XXXX, La XXXX, XXXX XXXX XXXX, XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX The XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX 
15 U.S.C. 1682 Section-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. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1666 ( b ) : A creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Debt or credit management

On XX/XX/year> I had a levy against my personal checking by an attorney XXXX XXXX that is a XXXX XXXX for collections INC. This is for a medical debt I had to go pay this off and was not told at first they have a drop off location in which I had paid for postage and had to go back and retrieve the cashiers check that I tried to mail off. Debt is paid and the lawyer still has not sent a release to the bank to relieve me of my levy since the medical debt is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I C System added a derogatory mark on my credit report per XXXX XXXX. upon further research, this account was transferred/sold and I am no longer responsible for the account. I C System did not verify this collection. Also there was NO written form of communication, contract, or signature of this accused debt at all. a bill with out a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, I C Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I notice I had notice I had some inquiries on my account I never applied for due to my investigation my credit profile has definitely been used by some one attempting to get cars and credit cards
Product: Debt collection

RESURGENT/LVNV FUNDING Account Name RESURGENT/LVNXXXX FUNDING Account Number Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1600.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$1600.00} Highest Balance - Terms 1 Months On Record Until XXXX XXXX Payment History 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 Collection XXXX XXXX XXXX  for this period Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX. 

Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XXXX XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized access and furnishing of my credit information. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I did not provide any written consent authorizing the release of my personal credit information to any third party, nor did I authorize your organization to obtain such information.

Given this lack of consent, I request that you immediately investigate this matter, remove any unauthorized inquiries from my credit report, and take the necessary steps to ensure that such unauthorized actions do not occur in the future.

Please provide me with a response detailing the outcome of your investigation within the 30-day period as required by law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an account reported by XXXX XXXX XXXX on my credit report, which violates several regulations. First, collection agencies are prohibited from reporting payment history on accounts they are collecting, yet XXXX XXXX XXXX has done so, which is inaccurate and against the Fair Credit Reporting Act ( FCRA ). Additionally, the payment information theyve reported is incorrect. Furthermore, XXXX XXXX XXXX has not provided any proof of its licensure in the state of XXXX, raising concerns about the legitimacy of their collection practices. I also never entered into any agreement with this company, and the original creditor did not confirm the account when I contacted them. Due to these violations, I request that this account be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX I sent a written dispute to Equifax via XXXX XXXX mail tracking # XXXX which they received on XX/XX/XXXX, regarding the following collection account : XXXX XXXX XXXX - Account # XXXX for the amount of {$2400.00}. The original creditor for this collection account is XXXX XXXX XXXX. 

The results that I received from Equifax dated XX/XX/XXXX, regarding the account were that they modified the comment section ; I disputed this account again and the 2nd results dated XX/XX/XXXX, came back as verified therefore it still remains on my credit report. 

I have also written to XXXX XXXX XXXX and to date I have never gotten a response regarding this collection account. At one point this collection account was also on both my XXXX and XXXX credit reports as well. I disputed the account with both companies, and they deleted this account from my credit profile. Equifax has failed to do the same. 

I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX any money at all. XXXX XXXX XXXX took me to civil court in the State of Hawaii at the XXXX XXXX in efforts to sue me for {$2400.00} back in XXXX of XXXX. The courts ruled in my favor and the Judge dismissed the case with prejudice on XX/XX/XXXX. 

When a case is dismissed with prejudice, the plaintiff is barred from filing a lawsuit on the same issue at a later date. Therefore, there should have been no further collection activity towards me. 

I have been dealing with the negative effects of this for 6 years. I am a single mother of 5 and it has prevented me from many opportunities including obtaining housing in the past. This is clearly the illegal debt collection practice known as debt parking and Equifax is allowing this by continuing to report this information on my credit report. This is damaging to my character and costing me financially. 

I have attached proof of the case record which shows the dismissal from the XXXX XXXX XXXX XXXX of the State of Hawaii for your reference as well as additional documentation that supports my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Inquiries as well as Accounts that have been opened by the aforementioned Creditor that I have not authorized or had any Business with. I Have reached out to the Creditor they have stated that they have submitted a request to have the accounts and inquires removed due to the findings of their Investigation. The accounts are still listed on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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
Product: Debt collection

I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score. the companies are XXXX XXXX XXXX, XXXX XXXX XXXX and Harvest Associates INC. they all say I owe XXXX XXXX Hospital
Product: Credit reporting or other personal consumer reports

I have filed an identity report with the government to have these accounts in question investigated & I would like these removed they are affecting my credit. I have been told these accounts were verified ( which is false because they are not mine ) and did not provide any proof they were mine. My rights have been violated, and before I take legal action I demand these accounts be removed.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.
Product: Credit reporting or other personal consumer reports

This account has been reporting on my report and has given me so much stress for the past months. All I ask of you is to verify whether or not this belongs to me, because its inaccuracy has been affecting my credit scores and has deprived me off of my financial opportunities- which deprives me just as much of my dreams.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found a few billing discrepancies. The listed late payments are inconsistent with my typical payment history. Kindly correct these mistakes and update my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX # : XXXX, has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 USC 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

Regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. I realized that the XXXX credit bureaus failed to fix it and I do not believe that these items belong to me. These items should be deleted as a confirmation of derogatory or negative in my credit file. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, is a willful negligence and non-compliance with federal statutes. For that reason, I am asking for your help to delete these items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Our mortgage was switched to ServiceMac , LLC ( involuntarily ). Since that time, we have had issues with communication. For example, our escrow amount was increased without written notice in XX/XX/XXXX. 

Then, in XX/XX/XXXX, we switched checking account. On XX/XX/XXXX, I called to confirm that the payment had gone through, and confirmed with the representative on the phone that they had the correct checking and routing number. This conversation was recorded, and it was verified that they had the correct information for our checking and routing. We were assessed return fees even though the error was ServiceMac 's. I was told that a supervisor could waive this fee. However, I was not given a ServiceMac contact information, and I was told that I would not receive an email confirming this. It would be reflected on my account. I had to make a payment over the phone because of ServiceMac 's error. Please confirm that ServiceMac has waived this return fee because the return was not the consumer ( XXXX XXXX 's error ). 

Second, with our prior mortgage servicing company, I could see specifically how much was in escrow and what payments were made to whom. However, with ServiceMac, they have to run analysis. I want to know specifically where our escrow payments are going since they were increased by XXXX. Again, when I requested this on XX/XX/XXXX, I was told that a " requesting an analysis '' of our escrow had to be done. We want an itemization of all the money going in and out of escrow.
Product: Credit card or prepaid card

My identity has been stolen along with my license, my bank information, my annuity information, my military ID, and several credit cards they also opened up five lines with five phones at XXXX. They took out {$42000.00} cash from my bank account all together. It was about a month now. They called my financial advisor and had him Transferred {$20000.00} into my XXXX account. I havent got any money back they gave me a new bank account but the person already took my money out and I dont know how theyre allowing this.also use my military ID  to go to the hospital because I suffer from XXXX and XXXXXXXX XXXX  they were drug attics who wanted to get drugs
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX : Bankruptcy Date Filed XXXX. XXXX XXXX Reference Number XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX  Balance {$15000.00}.
Product: Credit reporting or other personal consumer reports

I Received A Copy Of MY Credit Report And Saw Inaccurate ACCOUNTS REPORTING FRAUDULENT. These ACCOUNTS NEEDS TO BE REMOVE OUT OF MY CREDIT REPORT DUE TO THE FCRA LAW CODES FOR CONSUMERS. THESE ARE THE ACCOUNTS THAT ARE REPORTING FRAUDULENT. PLEASE HELP ME RESOLVE THIS ISSUE. 

XXXX XXXX BALANCE : {$4900.00} ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX BALANCE : {$2000.00} XXXX XXXX  ACCOUNT # XXXX XXXX BALANCE : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX THESE ARE THE FCRA LAW VIOLATION CODE : 15 USC 1637B Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.

15 USC 1681B A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

15 USC 1681Q- Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 USC 1681N-Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable 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 of 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 a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.