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

XX/XX/XXXX, upon obtaining a copy of my credit report, I noticed that there is negative/inaccurate information reported. Entry listings for charge-offs in the amounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ). 
As per IRS publication 4681 section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit reporting or other personal consumer reports

I recently discovered multiple inaccuracies on my report, and I am extremely frustrated by the impact they are having on my scores. These errors are making it harder for me to secure financial opportunities, and it is completely unfair that I have to suffer due to incorrect or outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023, I've sent several letters to Equifax Information Services LLC  about how they could report the following Bankruptcy XXXX XXXX  case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA  XXXX does not report to any third-party Credit Reporting agencies . I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX  case number XXXX.
Product: Credit card

I have not consented to have these accounts open and have filed identity theft for these accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I received a letter on XXXX/XXXXXXXX2021, that my mortgage with XXXX XXXXXXXX XXXX has been sold to Selene Finance. I have tried calling them every day since the XXXX of XXXX at XXXX, and all I hear is a recording that their offices are closed. Am I a victim of a scam or something nefarious?
Product: Checking or savings account

This happened in XX/XX/2017. I received a quickpay from someone ( " XXXX XXXX XXXX '' ) who wanted me to buy XXXX Giftcards which got flagged by Chase. I later called them to tell them that the person whom I received the money from is a scammer. However, they decided to make it such that my account would be locked unless the person who sent the quickpay calls Chase and confirms the quickpay. But the problem is I don't know the person and I couldn't contact him after that. A few weeks later, XXXX forced me to close my checking account and suspended my internet banking access. This makes me paying my credit card bills extremely inconvenient as I have to make phone payments. I tried complaining to the XXXX  back in XX/XX/2017 which got my internet banking access reinstated for about 2 weeks. However, Chase once again shut that down. I'm only making this complaint now as I didn't know the CFPB is another avenue I can try to get back my internet banking access.
Product: Credit reporting, credit repair services, or other personal consumer reports

2014 I have tried multiple different times to dispute this on the website because the account has been closed for so many years. At one point I was sent a letter saying my personal information was hacked.
Product: Mortgage

On XX/XX/2019 my mortgage was transferred from XXXX XXXX XXXX to CMC Funding. XXXX XXXX XXXX transferred to CMC {$2100.00} Escrow balance. 
The loan principal balance was {$220000.00}, reduced by the additional principal of {$150.00} and from 2 mortgage payments. However, when I received my statement from CMC Funding the escrow amount was incorrect. The statement showed that my escrow acct is {$1200.00}. XXXX however XXXX XXXX transferred over XXXX. I have called on several occassions and sent emails, including XX/XX/2019 and talked with a representative # XXXX. CMC sent a letter on XX/XX/2019 stating that they were looking into the matter. I have not heard anything from them and I tried calling today XX/XX/2019 and was not serviced.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : XXXX, XXXX and TransUnion Account Name : XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against 
the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Mortgage

I applied for a partial lien release to include 1 acre to adjoining property I am attempting to sell. The overnight package containing application and processing fee was signed for by a representative on XX/XX/19. I complied with all requests for further information. After weeks of being told application was being processed, I was informed on XX/XX/19 application and processing fee was never recieved which was untrue - the check cleared my bank on XX/XX/19. I provided 2nd app. and a copy of the transacted check on XX/XX/19. I was assured my application would be expedited, but as of today XX/XX/19 I was informed it is still being processed. Ditech has had all necessary information since XX/XX/XXXXand has yet to complete the process that I was told should take no longer than 30 days. I am nearing inability to pay for the house I am selling because of negligence on the part of Ditech and no one will return my phone calls regarding this.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXXXXXX XXXX XXXX Balance Owed : {$12000.00}.
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized credit inquiries on my XXXX report as of XX/XX/2023 : XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX [ XXXX ] I called the respective above numbers as seen in my credit report to enquire the reason for the inquiry. However, they kept redirecting me to another department and they could not find this hard inquiry in their record checked using my SSN. Some of the creditors were unreachable as well despite I made multiple attempts to connect with them.
Product: Debt collection

On XX/XX/21, I ordered two free trial supplements on line. The order was cancelled on line and the company XXXX XXXX never sent me the supplements, but I did pay the small postage via credit card. I never heard from them again until I received a collection notice actually 2 of them today XX/XX/21 for XXXX each. They said I owed for supplements. I never received any supplements and they said they emailed me which they did not. Now the operator on the other end wants me to pay for something I did not receive. I told her I will not do so and hung up.
Product: Credit reporting or other personal consumer reports

This letter aims to address some issues with the credit report that is currently being held in my name. Reviewing this report has revealed inconsistencies that demand immediate attention. After thorough examination, I discovered that some accounts require urgent attention to guarantee a true portrayal of the data. 

As a consumer who is familiar with the provisions of the Fair Credit Reporting Act ( FCRA ), you are aware that the law permits a request for an investigation into the credit report in the event that there are any disagreements regarding errors. 

Getting an accurate picture of the financial situation from the credit report is the main goal. In order to improve accuracy and fairness in the credit reporting system, these discrepancies should be addressed. It is anticipated that a resolution that is advantageous to all parties involved can be reached with your cooperation and compliance with the FCRA. 

We value your help in reviewing the errors in the credit report and correcting them, as well as your prompt reply. It would be fantastic if this dispute could be settled within the time frame required by law.
Product: Payday loan, title loan, personal loan, or advance loan

to who may concern i am writing you guys to stop all communication with me and my references as im filing a bankruptcy and my lawyers will be in touch thanks
Product: Credit reporting

As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$110.00} to XXXX for XXXX XXXX.
Product: Student loan

Hello, I have been trying to repay my loans on Ed Financial for the past 3 months, but my payments keep getting reversed and now I have outstanding payments. I have filed a complaint with Ed Financial, but it will take 37 business days for them to review, I made this complaint today on XXXX with an agent online. I have set up autopay on their website and have verified my banking information multiple times with multiple agents, but nothing seems to work in order for me to pay myself via their website. Only 1 payment has gone through after I did the payment over the phone with an agent on XXXX I shouldn't be getting a payment reversal on any loans, since my baking info is correct and I have the funds in my bank account to be able to pay. The autopay feature is also seemingly not working on top of their XXXX XXXX and XXXX XXXX options on their website. 

This is my timeline with reversal times and amounts that I have tried paying : XX/XX/XXXX Payment - {$1200.00} ( Pending ) XX/XX/XXXX Payment Reversal {$470.00} XX/XX/XXXX Payment - {$470.00} XX/XX/XXXX Payment - {$130.00} XX/XX/XXXX Payment Reversal {$170.00} XX/XX/XXXX Payment - {$170.00} XX/XX/XXXX Payment Reversal {$1600.00} XX/XX/XXXX Payment - {$1600.00} XX/XX/XXXX Capitalized Interest {$0.00} Thank you, and i hope to resolve this matter as I would like to pay my student loans and not have a deficit. 
XXXX
Product: Credit card

I've always made sure that payments on this account are made on time, never letting them become overdue. I'm not sure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear FTC and CFPB, I am writing to file a complaint against CNAC IN101. I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a loan from possible inc in a form of a revolving small credit line and for the past three months, this company has drafted out {$50.00} each month. And as I seen this amount being drafted out my account, the balance in the loan hasnt changed. In addition to that each month they have reported on my account 30, 60, 90 day delinquency marks to my credit report. As the result of this, I have been denied credit card approvals, denied access to car loan and deem ineligible for mortgage and other possible renting situations. At this point can these delinquencies be removed from my credit report. I would greatly appreciate it.
Product: Credit reporting or other personal consumer reports

I have previously requested a proper validation of debt and method of verification from the credit reporting agencies and have yet to receive anything of than an outdated bill. this debt collector is willfully continuing to be in non compliance with the FCRA. they are not treating my request seriously and doing bogus investigations and reinvestigations. They are not providing me. This has already been found unverifiable on XXXX credit reporting and removed yet they have not removed this from the other two credit bureaus Equifax and XXXX. This is my last attempt to have them make this right and take this seriously.
Product: Credit card or prepaid card

A purchase was made online for product " A '', but the item was no delivered, instead a product item " B '' was sent instead, with a modified invoice without my permission or consultation. 

Vendor ignored email requests for a return shipping label, after claiming to accept returns and refunds. 

Dispute was made to citibank via secured chat, full details including product model numbers were given. But days later, citibank reversed the temporary credit after vendor claimed they delivered the product. There was no follow-up from citibank prior to this claim. I further certified that I did not received the product as ordered, but instead was met with a citibank letter detailing that I needed to obtain a written permission from vendor in order to obtain a credit refund. Despite me stating I have evidences in the 2 chat, 1 email and 2 phone calls made to citibank. They have not made any attempts to obtain them or verify them from me. 

A phone call was made to the dispute department ( XXXX answered ), here I was appalled to discover that there was no means to contact the case person in charge, that the call was no recorded, and no information from that call will even reach the dispute department., and that the department had registered my dispute wrongly as non-delivered product and had decided to listen to a one-sided story from the vendor instead of verifying or consulting me in person. 

A letter was sent via the only method to possibly ( because I do not think they read it honestly ) reach the department ( as notified by the phone rep - XXXX ). Here in this letter, I detailed all email correspondences, XXXX dispute process, chatlog, photos of product B which was delivered in stead of A, including packaging and a invoice showing what was delivered versus what I ordered. 

The case was later closed by citibank with this exact remark : " Since there is no detailed description of the merchandise or services excepted to receive, we are unable to assist you in obtaining funds from the merchant '' Citibank has presented that their dispute department is incapable of performing due dilligences in dispute cases, unable to communicate even within their own departments, and extremely unwilling to allow customer to call them out on their fails.
Product: Credit reporting or other personal consumer reports

Paid student loans in full in XX/XX/year>, mohela never updated payment in my credit reports. I complained to experience, filled a dispute, but dispute did not get approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 separate instances, I have had trouble with getting any record of my equifax credit report from them. I have 2 reports through XXXX  and XXXX that reflect my credit history, yet equifax has 0 record. On XX/XX/XXXX I sent a record of my identification confirming my Oregon driver 's license, Social Security and address to no avail. I was told I didn't exist, and even offering to share my other credit reports to no avail. 

During the span of XXXX my wife and I were attempting to secure a new car loan. During this time, we tried again to work with Equifax. During this time, we again sent the information, and even successfully pulled 2 credit reports from XXXX  and XXXX. I hopped on the phone with equifax and was told to send documentation again, and received a letter on XX/XX/XXXX saying I did not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
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 indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$5100.00}