23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband is a XXXX veteran and XXXX XXXX XXXX civilian. He has severe health issues. We fell on financial burdens after a car accident took his health in XXXX. A person came to our home today, stopped me when I was locking our privacy gate at the end of our driveway. She said she was from the bank. She handed me a letter after exclaiming in a very loud voice if " Does XXXX XXXX lived here?! ''. I said his name has been XXXX XXXX since XXXX. Legally. 

She handed me a letter from this " counseling '' agency of Balance and XXXX XXXX and said in the letter that they work with the mortgage company XXXX and XXXX XXXX exclaiming as loud as she could in front of our neighbors that she knows my husband 's father in front of neighbors that were outside and on social media. Calling him by his former name of his abusive father XXXX XXXX. XXXX legally changed his name to XXXX XXXX in XXXX. 

She claimed she knew his dad and as loud as she could that she went to school with him in front of everyone. She never identified herself by name. Only saying she was from the bank. One neighbor was recording the event on her phone. This took place at the end of our driveway when I was trying to lock our privacy gate. All our neighbors and now his family knows of his financial problems. Our neighbors are very popular on social media and they were recording and listening. She then demanded that she had to take pictures of our home of 20 years because " she had to '', forcing me to unlock the gate and let her in. She not only took one but two or three. She continued to talk about his father as if she was insinuating that she would tell him & his family.
Product: Credit reporting or other personal consumer reports

I found an account and inquiries on my credit report that are not mine
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 XX/XX/XXXXAccount 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 am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX  - {$1000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX  - {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX  # XXXX name : XXXX XXXX XXXX XXXX, ACCOUNT # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Vehicle loan or lease

I went into get a new side by side loan, through roadrunner financial. I was told my payments would be right around {$430.00} and interest rates was lower, after arriving at dealership, and all applications submitted we was declined ( me and my grandfather who co signed ). The guys at the dealership said they know someone who can get it approved through them ( roadrunner financial ) even though we was just declined, he made a phone call and told me to answer the call and to answer questions with certain answers, I don't remember exactly what they was but they said to do this and it would get us through the approval for the loan, so we did, and we was approved on the spot after the calls, we get the side by side after signing all paperwork and get landed and home. Which we didn't re look over the terms. Are interest was raised 14.99 % and monthly payments went to {$560.00}. We paid on this for a year, bought priced was XXXX and a few XXXX with dealership fee and all made we paid XXXX down and became XXXX and a few XXXX. Over a course of 1 year of payments and a few months we paid XXXX something fown and some change, the loan was still showing we owed XXXX?! Seems like robbery right? I ended up loosing my job and I volunteered to surrender the side by side back because we was getting money stolen right from under us and we couldn't afford it on XXXX income with a child and another due in 4 months. They sold it for XXXX XXXX something at action. Leaving me with {$14000.00} as a right off amount. It his my credit and XXXX credit company ( XXXX is the name ) reaches out to negotiate payments and only gave me like 10 or 15 days to. In which I still didn't have a job and they wanted so much down to make a deal which again I not right. I can't get in contact with anyone from that debt collection they sent. Now this is affecting me a year later and a few months I can't do anything. The bank won't even combined my current loans to give me a cheaper monthly payments because the amount of the charge off. I can't get better vehicles for my family now we have our XXXX child due this year. My job XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it puts wear on my vehicles. We just felt completely robbed and scammed by how shady they got us apporved after the same place denied us a few minutes before.
Product: Debt collection

XX/XX/XXXX, hired XXXX XXXX XXXX XXXX XXXX XXXX, to dispute inaccurate and or fraudulent accounts on all credit reporting bureaus. As of XX/XX/XXXX, I pulled a credit report to show progress XXXX XXXX XXXX attempted. Accounts in question had not been removed only closed, no account accuracy, contracts, account transactions received, from third party debt collect XXXX XXXX, XXXX. Account was sold XX/XX/XXXX from Synchrony Bank, formerly kmow as XXXX XXXX XXXX Bank. Currently, XXXX XXXX XXXX, sent a 'Alias Summons requesting demand of XXXX. 

On at least 4 attempts, credit bureaus, Synchrony Bank ( change of name in XX/XX/XXXX ) and XXXX XXXX XXXX, were contacted to valid account accuracy due to severe identity theft, XXXX XXXX XXXX, has violated the Fair Debit Collection Protections Act ( FDCPA ) that prohibits debt collectors from from using unfair, deceptive, and or abusive when collecting comsumer debts.
Product: Checking or savings account

I can no longer access my account due to a freeze being put in my account from a friend that filed a claim against me. Me and this friend XXXX XXXX made a verbal conversation about me borrowing {$XXXX} and he told me to pay him back at anytime because he wasnt in a rush to get it back knowing my circumstances. I tried and tried to call and get as much information for my side but Chase banking is not telling me anything due to it not being me that filed the claim so basically it has nothing to do with me. Ive have proof of me sending partial payment of XXXX payment until the full amount was given. I really need this account because its where my money is and this is stopping me from being able to get back and forth from work.
Product: Checking or savings account

On XX/XX/year> there was a withdrawal on my account amounting to {$3200.00}. I immediately filed a claim about it. I had an emergency. My father was in the ER since yesterday. I begged for the agent Ive talked to just to give me my money back and they told me that I will receive it today ( XX/XX/year> ) but when I call back just by now they said they need to investigate my claim FULLY! AND WILL NOT BE ABLE TO GIVE ME MY MONEY BACK TODAY!!! IT IS A MATTER OF LIFE AND DEATH!! IF I DONT HAVE MY MONEY TODAY MY DAD WILL BE DEAD!!! BANK OF AMERICA HAS NO CARE FOR THEIR CUSTOMERS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Capital One Auto Finance has accessed my credit report on 3 separate occasion from XXXX, 2 separate occasion from XXXX and 2 times from XXXX. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. The bank should have attempted to contact me and not pull my credit 7 times in less than 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XX/XX/XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXXXX/XX/XXXX 5. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXXXX/XX/XXXX 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states, There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isnt shared which is back 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 customer nonpublic personal information. XX/XX/XXXX is a financial institution, by definition, under that title. Under 15 USC 6809 the term nonpublic information is defined as personally identifiable information provided by a consumer to a financial institution, resulting from any transaction with the consumer or any service performed for the consumer.

15 USC 1681b states that In general, subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XX/XX/XXXX XXXX XXXX XXXX, the XXXX XXXX, and the consumer reporting agencies, XXXX, Experian, XXXX, do not have my consent to furnish this information and they surely do not have my consent. University Federal Credit Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XX/XX/XXXXXXXX XXXX XXXX never informed me of my right to exercise my nondisclosed option. Not only that 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 items 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 USC 1681 s-2 ( A ) ( 1 ) a states 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. 15 USC 1681c 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. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I have sent my opt out notice to mailed the opt out notice on XX/XX/2023 and also opted out online, but to no avail nothing has happened.
Product: Credit card

My ex-husband used our joint credit card without my permission or knowledge during the period of late XXXX XXXX through XXXX. I have repeatedly attempted to get Well 's Fargo Financial Cards to send me a copy of the itemized charges for my upcoming court case with my ex-husband. I have supplied them with my social security number, address, date of birth, security questions. However, my ex-husband reset the credit card with a PIN that I do not know. The credit card has been cancelled and is now in collections. I am attempting to get this resolved and have taken him to court over the credit card. I had a court date scheduled which was re-scheduled and I was instructed to obtain the itemized charges prior to my next court date of XXXX XXXX, XXXX. Well 's Fargo Financial Cards will not send this to me because I do not know the password PIN. Due to him resetting I can not possible provide this. Well 's Fargo is attempting to collect the debt from me because I am the primary cardholder.
Product: Debt collection

XXXX saying I owe a bill of XXXX thats not even mine its at an address in XXXX Florida I live in XXXX Florida and have not had XXXX cable.i disputed this matter with XXXX and got no where I would like to get this resolved.
Product: Credit reporting or other personal consumer reports

I was informed by my tax preparer in XXXX XXXXhat my personal information was lost during a business relocation. I was advised that she had made the necessary steps to report the incident to the authorities, and was advised to monitor my credit report and accounts going forward. I recently pulled a copy of my credit report and I see accounts and inquiries that I have not authorized nor any knowledge of. The accounts include : XXXX XXXX XXXX XXXX XXXX XXXX. I also see credit inquiries made from XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have no relationship with these creditors. 

I've contacted the credit bureaus twice via mail and once by mail attempting to get this resolved. I have yet to receive a formal response I have the right to privacy and reporting accounts without my written consent is in violation of 15 USC 1681B Also furnishing accounts that in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that any address listed that I've never resided be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my report and I have taken the correct measures to dispute the item but it still remains on my report. I initially disputed a debt with XXXX  ( XXXX XXXX XXXX ) back in XXXX and have proof they received my letter on XXXX XXXX, 2020. I waited 60 days before sending a follow up letter on XXXX XXXX, 2020. The address provided by the debt collector on my credit report however is incorrect. The letter was forwarded to the correct address. This inaccurate information has really hindered my ability to dispute this item. Also the balance and status is incorrect. The original debt was only {$360.00} not {$3600.00} and has since been paid to the original creditor. I am asking that this incorrect information please be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a some addresses on my report that are not mine. My name is XXXX XXXX. XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX  (XXXX XXXX) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX  , XXXX,OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXXTHE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE(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

I took out an auto loan with USAA on XX/XX/XXXX, XXXX at some point in XXXX i fell behind on 2 payments due to a financial hardship. I lost my job. The account almost went into collections and we we came to an agreement that once I made my payment for a chargeoff on XX/XX/XXXX they would remove this remark from my credit report. 

They still haven't removed it yet. I have been trying to rebuild my credit ever since XXXX and every single time I apply for anything ( even simple store cards to build my credit ) I'm always getting denied. 

I have learned a lot about credit over the years and I'm just looking for a fresh start. I've been trying to build credit since I was XXXX. I'm now XXXX. This is the only loan I've ever taken in my life and I've never had a credit card before. I do not feel that this one mistake in the past should reflect my credit score as a whole. I'm starting a family and having this resolved would greatly help my situation.
Product: Debt collection

I have formally complained about bad debt in my name due to fraud. Also, I have several incorrect addresses in which I have never resided. The following companies have not taken any action or provided any communication : TransUnion 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 or other personal consumer reports

This is a follow up from the original complaint where TransUnion did not complete it's performance in accordance to the FTC Report # XXXX. Please complete performance noted in report which include the following companies... 
This fraudulent, inaccurate, and false information consists of a personal credit card account from XXXX XXXX under the account number XXXX, a credit card from XXXX XXXX XXXX BANK - account number unknown in the amount of {$6000.00}, and an account from XXXX XXXX XXXX XXXX XXXX - account number unknown IN THE AMOUNT OF {$650.00}. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANS UNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XX/XX/2022.