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

XX/XX/23 Pursuant to 15 USC 1681b this inquiry needs to be deleted, due to the fact I never gave written consent to place it on my report. This is a violation of my privacy rights under the Privacy Act of 1974. In addition, there is no documentation they can show to verify that I have an open account from that inquiry, so the inquiry should not be there. 

Reasonings : Privacy Act of 1974 - A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : 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 instructions of the consumer to whom it relates.

15 U.S. Code 1681a - ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

Equifax had a breach. My information was stolen and is now on the dark web including but not limited to my social, birth date, address, email address, and phone number. I have told them many times about this. However, they have refused to fix any issues with my credit. I had to file for bankruptcy. Then the companies of course want to use the excuse of bankruptcy to not remove the items from my report. They like the others have allowed many companies to add the same account more than once and will not remove the duplicate accounts. They refuse to honor the identity protection or to pay the cost of getting it repaired as the court ordered them to in a huge lawsuit that was filed against them.
Product: Debt collection

A company called FMA Alliance ( XXXX ) called claiming they are collecting a debt on a XXXX  XXXX credit card, which I do not have. The caller was XXXX XXXX. I confirmed I do not have an account by trying to log into the XXXX XXXX website using my social - no account was associated. I also ran my credit report and I have not had a XXXX XXXX credit card for many years. The man stated I opened an account in XXXX  which is not accurate. When I tried to call back to speak to a supervisor, the person said - after obtaining some of my personal information ( DOB, last XXXX  of social ) for verification - that it was a " misdial '' and put me on hold for over 15 mins ( still waiting for the supervisor ).
Product: Debt collection

XXXX XXXX from Road Runner Collection Agency in XXXX called Saturday, yelling and ranting about what I better do to pay a late payment to XXXX XXXX XXXX XXXX she was rude unprofessional and trying to threaten me regarding the payment and after her yelling and acting like a XXXX Year old throwing a tantrum she hangs up in my face regardless of my being late on the payment is will not be talk to in a disrespectful manner!!
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 XX/XX/2021 ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2018, I disputed a credit card account with Transunion credit bureau .

On XX/XX/2018, I received a notification that the debt was deleted from my credit file.

On XX/XX/2018, upon a review of my credit report, I find that the debt had been reinserted on my credit file, however, I did not receive any correspondence from Transunion that detailed the debt was being re-inserted and the reason for doing so.

On XX/XX/2018, I contacted a Transunion representative and informed that the debt had been reinserted and that I had not been given notice within 5 days of the re-insertion of the debt. I requested for the item to be removed from my credit file due to the me not receiving statutorily required notice and that it did not belong to me. I was told that a letter had been sent and I requested proof because I did not received anything from Transunion regarding a reinsertion. The representative offered to re-dispute but refused to remove it from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting alleged debts of {$640.00} ( Acct # XXXX on my credit reports without any standing & in violation of the FCRA & relevant Texas Debt Collection Act laws. Bank of America is also in violation of Title X of the XXXX XXXX XXXX, and related regulations including abusive acts & practices. I have contacted them via XXXX with no response. In addition, I believe that this company has discriminated against me in violation of the Equal Credit Opportunity Act due to the fact that I am a supporter of the XXXX XXXX, engaging in XXXX behavior. Since Bank of America has willingly committed these premeditated/malicious acts, I have spoken with local counsel regarding the matter and they have agreed to potentially take the case on contingency pending Bank of America 's response. I am however, willing to waive any litigation regarding this claim & rescind any complaints filed if the other party deletes the trade line from all 3 credit bureaus. Please advise.
Product: Credit reporting, credit repair services, 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 aFRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 youare expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively rememberedthis report for a past letter and I am including it once more. I've educated my lawyer regarding my aimsand they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX 's regarding my account. I had not received a bill from them for a couple of months. I was told that it was overdue on XX/XX/XXXX So I went to XXXX 's store and paid the balance due. They waived all late fees and penalty fees due at that time. However, XXXX 's continued to charge me late and penalty fees for two months afterward. XXXX and XXXX had late fees and penalty fees added. I called XXXX 's and on XX/XX/XXXX and again on XX/XX/XXXX to clear the charges of {$81.00}. I even sent a letter to XXXX XXXX and XXXX XXXX, President and CEO of XXXX XXXX to help clear this matter. Nothing was done and the executive department said that the charges of {$81.00} were to remain on my credit report, even though there was a XXXX  balance on my account. 
On XX/XX/XXXX XXXX 's again reported my account of {$81.00} past due. I called XXXX XXXX credit department and they told me that there was a XXXX balance, but the charges of {$81.00} were to remain in my credit report as past due even though it wasn't.
Product: Credit reporting or other personal consumer reports

I have a issue involving the unauthorized use of my credit report by XXXX XXXX XXXX, which has been reported on my credit file by the three major credit reporting agencies : XXXX, XXXX, and Equifax. 

I believe that XXXX XXXX XXXX has accessed and used my credit report without my consent, and without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. This section limits the use of a consumer 's credit report for certain purposes, including requiring entities to have a valid reason for obtaining and using a credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/2022, I tried to send money to my mother in XXXX. I went to the XXXX in XXXX, NJ and I did it through Money Gram. She tried to pick up the money however, she was unable to receive it because it was not through XXXX XXXX. So, XX/XX/XXXX I went back to XXXX to receive a full refund because she could not collect the money. Unfortunately, it had been over 6 days so XXXX could not refund or transfer the money through XXXX XXXX. They told me to call the toll-free number and to file a complaint.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS REPORTING INCORRECT INFORMATION ON MY CONSUMER FILE. XXXX XXXX XXXX XXXX XXXXD AND XXXX CREDIT CARD. MY BALANCE FOR THE XXXX XXXX XXXX XXXX XXXX IS {$3.00}, THE BALANCE FOR MY XXXX XXXX XXXX  IS {$3.00}. EXPERIAN IS REPORTING THAT MY CARDS ARE OVER 66 % USAGE. THIS INFORMATION IS INCORRECT AND I AM UPLOADING DOCUMENTS AS PROOF.
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. 

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 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 XXXX 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

I scammed by my boyfriends advice. I used Coinbase to send my money to scammer website. But Coinbase XXXX help me to recover my amount like XXXX tools. All other cryptocurrency services help their customer. My money is still looking in scammer crypto wallet but they are not helping me. My a friend got back his money because he sent his amount on XXXX. Coinbase is not customer oriented service. Worst crypto service tool in US.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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 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 XXXXXX/XX/year> 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

XXXX XXXX XXXX XXXX I don't know, I just looked at my credit report and saw it was on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX TransUnion : XXXX XXXX : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX,  which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

In 2016 the borrower passed away I called them told them I was on XXXX and he had passed away and left me some life insurance they said I had to wait a year and after the year they said they don't refinance .... They also denied modifications I applied for now I had to sell my home of 15 years
Product: Checking or savings account

On XX/XX/year>, I received a deposit for my tax refund in the amount of {$1600.00}, I proceeded to use the funds to make a {$410.00} payment on my car with XXXX XXXX XXXX which was also posted on XX/XX/year> {$410.00} was my car payment and {$5.00} was the fee for making the payment, my finance company reached out on XX/XX/year> advising the payment submitted on XX/XX/year> was charged back by the financial institution. When contacting the bank, I was able to speak with XXXX in customer service, who confirmed she was able to see the payment and then transferred to XXXX in discover fraud and investigations department. She then advised she would need to submit a dispute, after holding for her to submit the dispute she returned advising they do not see any funds have been returned on the account and would not be able to submit a dispute as they can only see that the payments have went through. I requested today XX/XX/year>, for all account statements to be sent to me as the account has now been closed and I do not have access to this information.
Product: Debt collection

The company has already collected the debt by garnishment. I provided the documents proving the garnishment from a past employer. The amount was mailed to the XXXX XXXX Court House in XXXX, AL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX : {$34000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$42000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}.
Product: Mortgage

In XX/XX/XXXX I bought a house. I do not speak English ( someone is helping me right now ). The house needed work but I was told by seller and the person working with the seller that it will be finished. However I was guaranteed that the certificate of occupancy was fine and they will finish while I lived there. The seller bought the house in XX/XX/XXXX for {$48000.00}, and sold it to me one year later for {$300000.00}. There was no realtor, and no attorney. The person working with the seller was XXXX XXXX. He plead guilty of a XXXX mortgage fraud in XX/XX/XXXX. He filled all my mortgage documents, he also applied for my loan. I have a video recording of me speaking with him, as well as an online chat in XXXX regarding my mortgage. He guide me through the whole process and I thought he was helping me. At the end it was a scam and the house was unlivable. The appraisal was never done. I have requested a copy and the lender can not find it. I am sure that the seller and XXXX XXXX made it all up with help with the lender. It took me 3 months to fix the house and get permits to be allowed to live there by the city. I had to take loans for {$15000.00} to pay as well as paying my rent. I was unable to pay my mortgage. Now I am in foreclosure. I can pay my mortgage, but the lender will not let me apply for a modification. I was taken advantage off. I want to stay in the house. I can pay my loan. All I need a fair chance for a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' CONTINUE TO REPORT INCORRECT DATA VILATES FCRA PROVISIONS 604,605,607,611 AND 623..NOT MY ACCOUNTS ON FILE ... XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX  '' ... REMOVE AND CLOSE OUTDATE OVER 7YRS, NOT MY ACCOUNTS, AND ID FRAUD
Product: Debt collection

Loans not sharks keeps calling my phone and work when i 've told them not too saying they 're going to take me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted all 3 major Credit Bureaus with regards to an account that is showing up on my report from XXXX/XXXX and asked that it be removed from my credit report. This account was from supposedly from XXXX XXXX. I contacted XXXX XXXX and they confirmed on XX/XX/2021 at XXXX XXXX Central Time that this account could not be found in their system and that they had no knowledge of the account. I spent over an hour on the phone with a XXXX XXXX representative named XXXX. 

I asked that this account be removed from my reports as it could obviously not be verified. I have submitted disputes multiple times with each credit bureau and they all respond that the information is correct in less than 7 days. This is an impossibility!!!! 

This account needs to be removed from my account according to the FCRA Section 604, 609 and 611. They can not positively verify this account. I attempted to cofirm this account with XXXX XXXX and could not so there is no way that they could possible have followed the correct protocol and followed the FEDERAL LAW with regards to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit that has been closed and is still on my credit. need them removed. 

XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX This was paid off years ago This should have been closed. 

Another one is XXXX XXXX REPORTED XX/XX/XXXX AMOUNT XXXX This was also paid off last XX/XX/XXXX XXXX
Product: Checking or savings account

I received a message XXXX days before my birthday my account would be closed in 30 days it said XXXX, Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/year>. 
Before XX/XX/year>, you are encouraged to transfer your funds out of your Checking Account. Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/year> to the address we have on file for you. 

I have had chime for years this is not telling me what I did wrong! The only thing I can see is when I accidently put my chime account info for a deposit from my XXXX page for some tshirts I made in which when I notice I put the wrong info I changed it. Thats all I could see I have even when them for years this is wrong
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have provided all necessary documentation to prove my identity and claims. LexisNexis continues to stall by sending several pages of papers stating they can not verify my identity but each time I have filed a complaint I have attached this information to prove what I have stated. I am requesting the CFPB imposes fines against LexisNexis for willingly giving false statements.
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 15USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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. 1681 s-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.