23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.
Product: Credit card or prepaid card

I have a TD Bank Credit card on my credit, which is not mine and I did not authorize the account owner to add me as authorized user
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX I received a XXXX deposit for a vehicle I was helping a family member sell. 
On XX/XX/XXXX at XXXX I arrived at my bank, Key Bank , to notarize the title, receive the balance of funds, and deliver the vehicle to the buyer. 
The buyer brought a counter check from XXXX Bank. We did the necessary paper work, they gave me the check and I gave them the keys to the vehicle. I immediately deposited this check into my Key Bank Checking account and then wrote my family member a check for the vehicle a few days later. 
On XX/XX/XXXX my debit card from Key quit working. earlier in the day I had transferred the XXXX deposit to this account and in addition to the check I deposited a week before and my paycheck from my job there should not have been a problem. I went to the branch at XXXX to find out my account was frozen due to a fraud investigation. The check that I was given by the buyers was not signed, nor was I asked to endorse the check at the time of deposit a week prior. While in the branch, with a banker, I immediately called the buyer and explained the situation. He was at work but assured me he would get another counter check from XXXX Bank and get it cleared up. He did exactly that and was waiting at the bank for me with a new check which was again deposited this time signed and endorsed. 
On Saturday XX/XX/XXXX at XXXX XXXX  I received an email from Key Bank letting me know my account would be frozen until at least the XXXX of XXXX. Something I was not told the day before. Had I known this I could have made different arrangements. 
Today is the XXXX of XXXX and here is a list of what has happened today : - Bounced a XXXX  payment - credit card payments to XXXX cards have been declined and all the cards are frozen - My XXXX XXXX line of credit I was to close on this week has been denied. 
- My daughter 's XXXX XXXX payment has not gone through - a doctor 's appointment that I have for my son on Friday that took XXXX  months to get has been cancelled because I have no way to pay the deductible. 
- The XXXX money is in limbo and unavailable because it's attached to this frozen fraud investigation account. 
And this is just Monday. 
Obviously my credit which I have worked for the last 12 years to make good has been destroyed in a day. I have {$100.00} in cash right now and that is all. That will not get me to Wednesday let alone the XXXX or beyond which is likely given next XXXX XXXX XXXX XXXXXXXX holiday. 
In fact Key never informed me of any of this. Had my debit card not been frozen I would not have even known about the check. 
The stress of this is hard to overstate and all of this because the teller did not carefully look at a check I deposited 10 days ago. 
As of now Key Bank, customer service, branch workers, fraud department and the executive offices have no answers at all. " It's under investigation and here 's your case number ... '' That's it. My last resort is filing this complaint and tomorrow calling a relative who is an attorney at the Department of Treasury- Office of the Comptroller of the Currency ( OCC ) and seeing what they think.
Product: Debt collection

Hello so I am at work XXXX XXXX XXXX XXXX XXXX XXXXnd a call comes into XXXX XXXX XXXX XXXX XXXX XXXX. They say their introduction that the call is being monitored then ask are they speaking to me and asked me to verify the last XXXX of my social then proceed to say they are calling about a debt that I owe. I proceed to inform the representative who stated his name is XXXX XXXX, that I am at work and that they are calling my job and not even XXXX but a call queue that is used for actual customers who need help and I have never provided my work job for those purposes and never gave permission for anyone to call my job especially when they have my personal number.
Product: Credit card or prepaid card

Citizens bank one for buisness abs one personal police report was given and the person of interest has a warrant waiting to be caught .. the bank have the perpetrators info about my account with out passing security answer correctly
Product: Debt collection

This charge was taken off one credit bureau XXXX. The company radius global is a collection agency. Didnt remove it from the XXXX  or XXXX. It is not my debt. They have an address on all 3 bureaus that does not belong to me. Never lived there and they wont remove that either. Ive sent disputes on this. This is XXXX XXXX last 4 of account XXXX. Thank you for any help.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX, 2021 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history, This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have repeatedly asked for nuisance collection accounts on my credit report to be removed, but they are refusing to do so under some arbitrary policy. The accounts are worth {$12.00} and {$51.00} respectively. Both are insane amounts and should n't be used.
Product: Debt collection

THE MORTGAGE COMPANY PHH HAS : 1. STATES THAT I HAVE A $ XXXX  MONTHLY PAYMENT. 
2. STATES THAT I HAVE A RELATIONSHIP MANAGER, XXXX XXXX. 
3. STATES THAT A TELEPHONE # CAN BE ACCESSED TO DISCOVER THE PRINCIPAL BALANCE. WHICH IS FALSE.4. STATES THAT THEY WILL SOLVE THE PROBLEMS WITH OCWEN WHICH THEY HAVE NOT. 
THE MORTGAGE COMPANY PHH HAS : 1. FAILED TO ACCEPT A {$770.00} PER MONTH MORTGAGE PAYMENT. FAILED TO ACCEPT THE {$640.00} TRIAL MODIFICATION PAYMENT INXX/XX/2018 2. FAILED TO CONNECT TO THE RELATIONSHIP MANAGER, XXXX XXXX WHO IN FACT REFUSES MY CALLS TO DISCUSS ALTERNATIVES TO FORECLOSURE. 
3. FAILED TO DISCLOSE THE CORRECT PRINCIPAL BALANCE
Product: Debt collection

XX/XX/XXXX@ XXXX at my job XXXX ( couldn't understand his last name ) from ERS called stating he was calling about a returned item from my Bank ( I work at XXXX XXXX XXXX XXXX ) that requires my immediate attention. Please return my call at XXXX. I returned the call 2 days later when I was back in the office and he said oh this wasn't for you. 
XX/XX/XXXX@ XXXX at my job Robo call from ERS about a notice that was sent to my address or listed as my home residence today we haven't received notification from you about this important matter. 
XX/XX/XXXX/ @ XXXX at my job Robo call with the same message above XX/XX/XXXX @ XXXX XXXX I called them back, from my job, asking what this was about. He said was I XXXX, I said yes, he said is your address, XXXX XXXX XXXX XXXX PA, I said yes, he said we are calling about a notification that we mailed to your home address onXX/XX/XXXX. I said I don't know what you are talking about as I didn't receive any notification and it is alreadyXX/XX/XXXX, so I don't know what you are talking about. Gave me vague information about whatever debt they are referring to and stated that they would be taking this to court and I would have legal fees to deal with along with ruining my credit. We can do monthly payments or we can take a payment amount lower than the outstanding debt of {$2000.00}. Told them they were calling my job and he said sorry about that. I said I would call him back when I'm not at work that this was my job. He said well you didn't tell me what you are doing about this, are you making a payment ( Yelling at me ) so I hung up. 
XX/XX/XXXX @ XXXX at my job Robo rom ERS with the same message XX/XX/XXXX @ XXXX at my job XXXX from ERS saying , I'm calling back again from the Pre-Legal Dept from ERS please call me back at XXXX XX/XX/XXXX@ XXXX XXXX  on my cell number saying this is XXXX calling back with the Pre-Legal Dept of ERS I had spoken to you on the XXXX and I still have not had a response from you and the client is requesting a decision be made on your behalf by close of business tomorrow so I would like to speak with you before verification is faxed. If you can contact me back immediately my office number is XXXX. 

These are all the ones that I have documented. They constantly change the number they are calling from. Some of the numbers look like local numbers so I'll answer and others look like out of area, so then I don't answer. I haven't acknowledged anything and I'm really tired of being harassed at my job over and over again. I have a job to do and it isn't being harassed by ERS. 

Thank you very much! 
XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto-pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishes correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$570000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agenciesXXXX, XXXX and XXXX continue to report my Capital One XXXX  credit card ending in XXXX as a charge off. However, I was a victim of a burglary in which the thief fraudulently used my card and identity to cause the charges on my credit card, as a result, I am not responsible for the charges. I have attached a copy of the police report in which the criminal was ordered to pay me a restitution of {$49000.00} and sentenced to XXXX  years in XXXX for the crimes of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this charge off account from my credit report agencies as it is a result of fraud.
Product: Debt collection

Blue Chip Financial sent cancellation of debt notice for " personal loan ''. But I NEVER HAD A LOAN FROM THIS OR ANY OTHER COMPANY. Nevertheless, they filed a 1099-C as if I had a loan for {$800.00} cancelled.
Product: Debt collection

This information is currently under dispute with the credit bureaus and I have also filed a complaint with CFPB that is also currently open and unresolved. Despite this, you continue to contact me via text messages, which is both harassing and a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). See attached documents for reference.

Under federal law, you must immediately stop all communication with me, except for one final notification stating you will either cease collection efforts or take legal action. Continued contact after receiving this letter may result in legal action against your agency for violations of the FDCPA, including statutory damages of up to {$1000.00} per violation, plus attorneys fees and court costs under 15 U.S.C. 1692k.

Furthermore, if you continue reporting this erroneous account to the credit bureaus despite its inaccuracy, you may be liable for additional violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).
Product: Credit reporting or other personal consumer reports

I need clarification as to why you are reporting certain information on my credit report. Please review the following accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting these accounts as charged off yet you also reporting a monthly payment? Delete these account immediately for inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I submitted a dispute requesting proof of debt on XX/XX/XXXX and XX/XX/2023 and have not received validation of the debt from Experian and XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2020, Portfolio Recovery Associates 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. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Portfolio Recovery Associates 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

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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

My account with Goldman Sachs Apple Card is settled and closed with a balance of XXXX. Despite this, the information on my XXXX credit report is four months out of date.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of this, and the company acted without my permission.
Product: Checking or savings account

I had to travel to a remote area where there I had no access to my mobile phone services for two weeks. An internet connection was available through Ethernet, and I tried to access my account online. I was barred from the account because they required me to verify my account by receiving a security code via text message. I call and they told me that the only way to access my account is to be connected with my mobile phone at all times. In addition, I need to have text capability because that is the only way they have to verify my account. I was besides myself, I think this is a violation on my customer right to access the funds in my account at any time, from anywhere. I am worried because I travel to places and countries where I find myself unable to use my mobile connection, which means I can be barred from accessing my funds in a time of need.
Product: Mortgage

I applied for several loan modifications which at the time Wells Fargo informed me I qualified for. Wells Fargo sent several applications that I completed for years. They never explained to me why I was denied and I was told my only option was to short sell which I still don't believe.