23daVinci/CFPB_Complaints huggingface dataset:
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 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported on XX/XX/XXXX. 2022 on XXXX that XXXX misses payments. XXXX is a closed account.
Product: Credit card

On XX/XX/year>, my phone and wallet were stolen, leading to unauthorized digital charges made with my Apple Cards virtual card number. I promptly reported these fraudulent transactions to Goldman Sachs, expecting a thorough investigation and a resolution that would reflect my lack of liability for the unauthorized charges. However, Goldman Sachs failed to conduct a proper investigation and instead denied my dispute without sufficient explanation.

These illegal charges were made over a matter of months and once I was made aware of such I contacted the credit card department. Out of the country transactions were made without my permission.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my report from XXXX XXXX. This has had a very serious affect on my life and has been XXXX  distressing  for me and my family. My information was incorrectly reported shortly after I was laid off in the middle of the pandemic. Please remove and block.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name XXXX XXXX XXXX XXXX  Account Number XXXX 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.
Product: Debt collection

World Finance continues to attempt to collect an alleged debt. This alleged debt has been sold and my no public personal information has been sold without my permission. World finance charge off this alleged debt but has not sent a 1099-C form as I requested. World finance is reporting income on my consumer report. World finance did not inform me on the use of credit along with other violations. World finance has not rebutted my affidavit, answered my questions, or provided any requested documents. I am exercising my right to opt out of world finance furnishing my no public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... 

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 


The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...
Product: Debt collection

Hunter Warfield is collecting a debt i have requested validation of the debt and not received it as of yet. The letter I received from them states the client is XXXX XXXX at XXXX XXXX, I do n't owe XXXX XXXX at XXXX XXXX. 

Also the initial request was made XXXX/XXXX/2015 and follow up request made XXXX/XXXX/2015 and XXXX/XXXX/2015. I have been ignored. 

The only correspondence received from Hunter Warfield was on XXXX/XXXX/2015 stating they would investigate and remove the reporting ; however that never happenend
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Credit card

Credit card has been over charged and being held responsible for unauthorized purchases made with my card while its been reported lost or stolen Till XXXX of 2023 Over {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with capital one appearing on my credit report, This is a surprise because i have not ever applied for a credit card with them. they show a balance of {$820.00} and theres no way i am paying someone elses balance. i have sent in many paperwork with the bureaus providing signatures and personal information with no luck. please help
Product: Debt collection

I received an alert that a collection was placed on my credit report by Diversified Consultants. Back in XXXX of 2018 I completed a fraud affidavit for a collection account from XXXX that did not belong to me. XX/XX/2018 the collection was removed and closed. Now this collection agency Diversified Consultants has placed the same collection back on my reports damaging my credit. I have already taken care of this and followed all proper channels and now this collection agency has placed this same unverified account back on my reports. They are damaging my credit and defaming my character. My next step will be to sue these collection agencies because they are using illegal tactics to try and get consumers to pay collections that they clearly do NOT own or can not properly verify according to the FDCRA.
Product: Mortgage

XXXX  Covid19 restrictions prevented us from making payments for 18 months. We are 34 years in our home. Have plenty of equity. Can resume making payments. The servicer SHELLPOINT MTG, likely received Federal assistance is denying XXXX  mortgagees a deferment during the 18 month period. They have repeatedly refused to allow us to resume making payments when XXXX Covid lockdowns/ protections have ended. 

Shellpoint repeatedly mislabeled our calls over the 18 months trying to deny we had asked for Covid19 protections due in XXXX. 

Shellpoint as servicer for XXXX XXXX XXXX XXXX  repeatedly engaged in aggressive collection tactics sending unannounced strangers to our home claiming to need to appraise our home. They had no appointment, offered no ID, shouted loudly they were sent by the bank so our neighbors would hear of distress, one in XXXX tried to discuss the matter asking in a speculative way what the situation was ... and today a third one found lurking in our yard, made claims he needed to enter our home. 

This is not the Covid19 protection XXXX  citizens deserve. It has been a nightmare. We also have a 2nd mortgage current as the 2nd mortgage servicer was a pleasure to deal with the whole while from beginning of Covid to now.

And employee working from home stated he has not seen any deferments given. 

This has already been shared with a XXXX and escalations in the corporate office of Shellpoint since XXXX when they refused to accept payments. 

They are trying to wear down and weaken the borrower so they can avoid deferrals of payments to the end of the loan. Their goal is to get a modification shortening the repayment term of the arrears, or foreclose. This will destroy the XXXX housing market if they are allowed to cause so many foreclosures. 

Shellpoint customers must be all offered a full resumption of payments.
Product: Debt collection

Net Credit is attempting to collect a debt for {$1100.00} I do not recall ever doing business with this company before. I am requesting that NET Credit cease debt collection immediately and delete this tradeline reporting from my credit report.
Product: Credit reporting or other personal consumer reports

These are not my account. It is the credit bureaus responsibility to make sure theyre reporting accurate information and going through the proper protocols before putting information on my credit report. The information does not match up to the other bureaus and according to the FCRA you must make sure everything youre reporting is accurate. XXXX entitled to an accurate report please remove the fraudulent account immediately. XXXX attaching my FTC report as well.
Product: Student loan

I have tried contacting EdFinancial for weeks to try and get them to cancel my consolidation loan application. Their phone wait times are over 600 minutes every time I call, no matter what time of the day it is, and their chat function does not work. Theyve not responded to my emails Ive sent either. I need this cancelled as soon as possible, or I will not be able to pay my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  bank Account Number : XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I was appointed as Personal representative of my late husband 's estate in XXXX of 2021. He had a business with business credit cards for employees that needed to stay open. When I called to inform the credit card company of his passing, they said they would add me as an authorized user. I made sure to tell them I was acting in my responsibility and role as PR. I then received a letter to the XXXX of XXXX XXXX on the passing of XXXX XXXX, not my late husband. I called the company to correct this, and they said they did. When doing so, I believe they converted the account under my name as the principle signer without my consent or knowledge. I never signed any document nor verbally agreed to this or to assume liability personally. I was not sent any disclosures, agreement to terms, etc. Now they continue to falsely report this account under my personal credit report even though I have never applied for credit, signed any documentation or verbally agreed to assume liability. This debt was also stayed in my late husbands business XXXX  XXXX MER yet continues to be reported as verified accurate under individual liability in the amount {$28000.00}.
Product: Credit card or prepaid card

I am writing this complaint against Apple Card by Goldman Sachs Bank for violating the Truth in Lending Act ( TILA ) by not providing me notice before or after closing my credit card account. 

Since I have been a customer with this company, I have always been responsible with my credit card payments and spending. However a few months ago, I received an update on my credit report from all XXXX  bureaus stating that my account had been closed. 

This was done without any prior notice or explanation. I never received a phone call informing me of this, an email informing me or any type of letter/correspondence informing me of any changes to my account. This closure has caused me financial harm and inconvenience. 

I have contacted this company by phone multiple times and have requested a written explaination of why they closed my account without cause or a lawful reason. I also requested them to explain why they didn't provide me with notice of the account closure and why I had to find out from an alert on my credit report and not from them directly and professionally. I first started reaching out to them in XX/XX/2022 and to this day. I have not not received any correspondance from them what so ever. 

According to XXXX, credit card companies are required to give the cardholder notice before or after the account is closed. Your company has failed to do so and I believe that this is a violation of XXXX by failing to provide notice before or after closing my account.
Product: Debt collection

On XX/XX/XXXX I mailed the debt collector ( XXXX XXXX XXXX  XXXX ) a debt validation letter. On XX/XX/XXXX I received an improper debt validationXXXX XXXX XXXX XXXX XXXX sent me a package of validation that did contain information about the debt such as past statements. However it still lacked important information. Such as the official contract or document from XXXX XXXXXXXX XXXX that bears my signature stating I am the alleged bearer of the debt. Along with the official document stating that XXXX  XXXX has the legal right to collect the debt. They also have to send me their license # to collect debt in my home state of California and Pennsylvania where they are stationed. Lastly XXXX XXXXXXXX XXXX XXXX must send me all the information about the debt including how much they paid to purchase it. If XXXX XXXXXXXX XXXX XXXX does not get me all this information together in a proper debt validation by XX/XX/XXXX which is the deadline to their 30 day validation window. Then they have to remove the collection from my credit report from the three Bureaus and cease collecting the debt as is my right under the Fair Debt Collection Practices Act. ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a bill for a {$1500.00} fromXX/XX/XXXXuniversity that I paid on XX/XX/XXXX ( as shown in screenshots from bank account statements ), but they sent that bill to a collection agency XXXX XXXX XXXX who have now added an additional {$500.00}, saying that I owed them {$2000.00}. The date they gave me when I called them was XX/XX/XXXX ... but I never attended XXXX in XX/XX/XXXX, dropped out at the end of the spring semester XX/XX/XXXX This account in collections shouldn't exist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DE XXXX I sent XXXX, XXXX, and Transunion 2 letters and My FTC report asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DE XXXX. This is my only name and my only address. I have also attached my FTC report related to the incorrect Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to the credit bureau giving them information on why the auto loan with XXXX XXXX XXXX  XXXX is incorrect on my credit report. The account was opened with the lender in XXXX of XXXX. Our last payment was mad eon the account before the end of XXXX. We have asked them to investigate. We believe that the lender reaged the account to show a payment in XXXX to keep this account on our credit report for longer than normal. This account has been marked as charged off as well but there is constantly showing an outstanding balance of over {$20000.00} on the account. It has caused us much strain since when our credit report is pulled the inaccurate information is shown. I would like this account removed and the credit bureau sanctioned for not properly investigating customer disputes. The last time that we paid taxes on the vehicle was at the beginning of XXXX for tax year XXXX. If we had the vehicle past then, we would have been forced to make additional tax payments to keep the car.
Product: Credit card

My AutoPay was disabled for the second time around XXXXXXXX XXXX. Goldman Sachs disabled my AutoPay and my future payments resulting in a payment not being received and a late mark being added to my credit report. Goldman Sachs failed to properly inform and communicate to me that my XX/XX/XXXX payment was not received, they did not inform me at all. I found out this payment was late due to my credit report dropping XXXX XXXX in one day. This is unacceptable, I am demanding that this late payment be removed from my credit report immediately or I will take legal action.
Product: Money transfer, virtual currency, or money service

Paypal asked me to show the address verification and I provided them a document and later they emailed me that your verification is successfully completed and limitations has removed. But the problem is My account is still limited. I can not send, receive or withdraw my money.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/XXXX, I filed a credit report dispute with Equifax concerning a collection entry attributed to XXXX XXXX on my credit report. Within my dispute submission, I furnished concrete legal evidence validating the full payment and settlement of the account in question. This submission substantiated that the collection attempt was not only unlawful in its pursuit of debt recovery, but also posed a detrimental threat to my credit history. Regrettably, the subsequent investigation by the credit reporting agency conspicuously dismissed the irrefutable documentation I presented as evidence. Instead, undue emphasis was placed solely upon a statement offered by the collection agency. This course of action undermines the legal protections outlined in state statutes, which are designed to safeguard consumers against unfair and illicit credit reporting practices. I am deeply concerned by this blatant disregard for the legal rights and protections afforded to me as a consumer. The actions of both the credit reporting agency and the collection agency deviate from the parameters set forth by state law, infringing upon the fundamental principles of equitable and transparent credit reporting. I am appealing to the Consumer Financial Protection Bureau to ensure that my rights are upheld, and that the appropriate corrective measures are taken to rectify this situation. It is my firm belief that through the enforcement of relevant state laws, my case will be given the legal consideration and confidence it rightly deserves
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated failure to correct the late open accounts and remove the public record from my credit report. 

I have provided extensive documentation and evidence supporting the correction of the late open accounts and the removal of the public record, yet they continue to XXXX my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. XXXX. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. Chapter XXXX Bankruptcy Reference # : XXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.