23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Almost everyday from XX/XX/2022 Credit Acceptance has called 4 or more times a day. It doesn't matter if I communicate with them at all. The calls will keep coming until XXXX my time. I have no problem if a debt collector makes one or two calls. That would be reasonable. I have told them that the frequency they call at this point feels like harassment as it doesn't matter if I talk to them in the morning and they know I can't pay then. They will just keep calling. When confronting them about it they will just tell you to write a letter and hang up. XX/XX/2022 as an example between XXXX they called 4 times. If you think blocking the number could give you some temp relief, you would be wrong as they have several other numbers to call from. I work 12 hour days from XXXX. The lien I have for the car is past due as they made aware every single day except Sunday. I have made payments and still making payments to catch myself up. It's not like I'm 90 days past due or haven't been submitting any type of payments at all.
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 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  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

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX and XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States, clearly, I have the right to privacy. ( It's the LAW ).

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. ( It's the LAW ).

All Rights Reserved.
Product: Checking or savings account

NAVY FEDERAL ALLOWED VETERANS TO BE TARGETED BY MERCHANT SCAMS BY NOT COLLECTING REFUNDS FROM DEFECTIVE PRODUCTS AND TARGETED HARASSMENT ACCOUNTS. NAVY FEDERAL IS SHIELDING OR HIDING REPORTS OF SCAMS BY THIRD PARTY APPLICATIONS AND ARE NOT THOROUGHLY INVESTIGATING THE ACCOUNTS. NAVY FEDERAL CREDIT UNION, SITS STAGNANT ON REPORTS UNTIL THE PRESUMPTIVE DATE OF COMPLETION, FRAUDULENTLY STATES THEY ARE INVESTIGATING AND ONCE THE TERM ENDS, REPORTS THEY ARE UNSUCCESSFUL IN COLLECTION OF FUNDS. FALSE REPRESENTATION BY DISPUTE REPORTS AND SCAMS NOT NEING TAKEN SERIOUSLY, LED TO COMPROMISED ACCOUNTS. EXAMPLE : XXXX HOST ISSUES INVOLVING CANCELLATION BEFORE CUTOFF BUT TRYING TO COLLECT ON FUNDS NOT DUE OR OWED.
Product: Debt collection

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XXXX XXXX, 1970, 84 Stat. 1128. )
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to ELAN FINANCIAL SERVICE. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 
Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Debt collection

I did not sign up for their services and they are not picking up my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, at XXXX p.m. XXXX. I called Indigo Card Service, and spoke with an associate that transferred me to their manager, per my request. The associate could not answer my question, as to why my credit card was report to the credit bureaus as over the limit? When I spoke with their manager, I believe the manager name was XXXX or XXXX. I am not quite sure of the manager 's name. I asked the manager to explain why my credit card, ending, XXXX was over the limit after I made the payment on time on XX/XX/XXXX. My closing statement day is the XXXX of each month. The manager stated it depends on when I made the payment. I said, I did it before the cutoff time, which is XXXX XXXX. E.S.T. The manager reviewed my account and saw I made my payment, on XX/XX/XXXX. I asked what time does it show I made the payment? The manager stated it was at XXXXXXXX XXXX P.S.T., payments made before XXXX XXXX. P.ST. is credited to the account the same day. I said, I was going to report this to the CFPB. The manager stated that they would dispute the balance as it should not have been report late and over the credit limit. I receive a letter dated XX/XX/XXXX, that the information was reported correctly. The incompetent manager or associate that disputed the balance; disputed it for the month of XX/XX/XXXX and XX/XX/XXXX. I was talking about a payment made and over the limit balance for XX/XX/XXXX, why was this dispute done for XX/XX/XXXX and XX/XX/XXXX? Today, XX/XX/XXXX, I spoke with XXXX and asked them to transfer me to a manager to answer what time the payment was made on XX/XX/XXXX, as they did not know this information. I spoke with XXXX XXXX manager ), and stated again I made the payment at XXXX P.S.T on XX/XX/XXXX. XXXX was very kind and stated they will file the dispute for me correctly, because the previous dispute was file forXX/XX/XXXX. I want my balance report for XX/XX/XXXX to be corrected, as this affects my debt ratio. This is the 3rd time this has occurred where credit card companies reported my balances incorrect to the credit bureaus. Then my credit is affected and can not get the points back that I lost originally. I believe CFPB should look into possible XXXX discrimination, that credit card companies are targeting XXXX individuals. I am aware this occurred with other XXXX individuals.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX noticed I have some fraudulent accounts appearing on my credit report I have attached a FTC Report below. 


1. XXXX Collections {$690.00} 2. XXXX XXXX XXXX {$5100.00} 3. XXXX XXXX XXXX {$520.00}
Product: Mortgage

On XX/XX/XXXX the bank received a refund from the county on my taxes in the amount of {$7500.00}. I have still not received a refund and they can not tell me when it will come they say like XXXX. Also I asked that my house payment be reduced to reflect the amount of taxes I pay Now which is {$550.00} versus {$3300.00} And they refused to Reduce my payment until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX TransUnion XXXX XXXX Account # : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1has 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 any consumer reporting agency if the ( A ) ( 1 ) person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This creditor is using intentionally deceptive practices to keep you from paying the bill There is no way to login into account without the actual credit card but no credit card was ever sent to my home Since I did not receive any statement, I called XXXX XXXX XXXX who led me to the credit card agent who informed me my account was overdue. 

The agent said the overcharge fees would be refunded, but they were not The statement closed 22 days after the first purchases were shipped even though the terms were 30 days. 

There was no way to open a payment because no billing statement was ever sent ( you need the account number to login to the email/online payment center ) A notice was sent in email using an unusual name not matching the credit card name : " XXXX XXXX Credit Card '' was opened Synchrony was emailed. This was intentionally made to look like spam as I had no knowledge of any business with Synchrony Bank I requested a mailed statement of the first bill which arrived after the second billing statement closed causing another overdue fee I had two overdue fees before I ever was given an account number. The account number was needed to pay online. 

This company is fraudulently delaying and complicating the payment process to intentionally cause overdue fees.
Product: Debt collection

I hope this letter finds you well. I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. I have recently become aware of unauthorized accounts on my credit report, and I insist on the aggressive deletion of these accounts without any further delay. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. The presence of these fraudulent accounts is not only damaging my creditworthiness but also causing undue stress and hardship. Therefore, I demand the immediate removal of these items from my credit report. 

I expect the credit bureau to conduct a thorough investigation into this matter and provide me with a prompt response. As the victim of identity theft, I urge you to take aggressive action to rectify this situation at the earliest possible date.
Product: Credit reporting, credit repair services, or other personal consumer reports

The important and pertinent information are all in the 2 attached documents. Please review the letters and act on them by contacting the credit reporting agencies poste haste. The three major credit reporting agencies, besides others, have no regard for consumer or federal laws. These goliaths are arrogant and well-capitalized and their actions or lack thereof are bordering on what can be considered evil ; their lobbyists draft bills, which later become laws, in their favor while still flouting many laws despite the fact that they were created with a great degree of unfairness to the consumers.

The three credit reporting agencies refuse to right the wrongs on my credit reports.

All I require is that the credit reporting agencies immediately delete the derogative credit/finance entries listed below ; 1. XXXX XXXX XXXX : Closed Account # XXXX 2. XXXXXXXX XXXX XXXXXXXX : Charged-off/Closed Account # XXXX and 3. XXXXXXXX XXXX : Charged-off/Closed Account # XXXX The above-mentioned ruthless credit reporting agencies are really tearing apart American families due to financial issues created by them by including outdated or incorrect credit and finance information on the consumers ' credit reports. 

I am glad that we, the American consumers, have a fine, tough and result-oriented organization like yours, the Consumers Finance Protection Bureau ( CFPB ), on our side. Thanks to the CFPB for providing us some measure of consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The Creditor : XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : 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
Product: Credit reporting

Experian mislead me to believe that for {$1.00} I would receive a copy of my credit report. They failed to reasonably advise me that a 7 day trial membership would begin and that I would be charged {$21.00} at the end of the trial. Imagine my surprise when they debited my checking account. 
I am prudent when shopping and take time to fully understand what I 'm getting when I make a purchase. Experian was misleading and refuses to credit my account for {$21.00}. They are dishonest and should be required to adequately communicate all agreements prior to purchase.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report regarding a collection account that has been resolved. The account in question is identified below : kindly ask that you take into consideration the challenges I faced during the pandemic and the impact it had on my ability to manage my finances. I am actively working to resolve these issues, and I request that my credit report be updated to reflect the accurate status of this account. 


Date opened XX/XX/year> Account number XXXX Balance {$XXXX} Account number XXXX Balance {$XXXX} XXXX Date opened XX/XX/year> Account number XXXX Balance {$XXXX} XXXX Date opened XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Comenity Bank/XXXX, Comenity Bank/XXXX and on XX/XX/XXXX Comenity Bank/Victoria Secrets pulled my credit report for a credit limit increase, i later was notified by letter that they could not obtain my report and could not contact me with the information on file. Also the request could not be processed. A hard pull was place on my XXXX credit report but they claim that it could not be processed. I contact them and was told by a supervisor to dispute the inquiry and it would be removed and the request would be sent to the credit reporting department, i have disputed it twice and each time it comes back as verified.
Product: Debt or credit management

My credit report has XXXX XXXX XXXX account showing and I believe at the time going into the hospital I had insurance through my job. Each time I try to dispute it comes as accurate. Its says the account wont remove off my credit until possibly XXXX. I need help figuring out how I can get these amounts removed as soon as possible. Lockhart Morris and Montgomery I have XXXX accounts open for the amount of XXXX. Please help.
Product: Money transfer, virtual currency, or money service

I was using cashapp and had issues where money disappeared from my account. I reached out to them only to be told there is no actual person I can speak to and my issue was never resolved. My bank account was closed because of the overdrafts fees from money taking by cashapp, that was not authporized.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT MUST BE REMOVED IN 4 DAYS. This account is not mine. Also, I never lived nor received emails in the address reported in my file. 
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, credit repair services, or other personal consumer reports

n 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. 
1. XXXX XXXX XXXX XXXX with account # XXXX 2. XXXX XXXX XXXX with account # XXXX 3. XXXX XXXX with account # XXXX 4. XXXX XXXX XXXX XXXX XXXX  with account # XXXX 5. XXXX XXXX XXXX XXXX with account # XXXX 6. XXXX with account # XXXX XXXX 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

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

My student loan accounts and payments are not uniformed across the XXXX credit reporting agencies. XXXX and Equifax are still reporting late payments on a closed account while XXXX has the accounts removed. 

Everything must be uniformed across all credit reporting agencies and if not it is an inaccuracy and violation under the FCRA. 

The account number and dates of these accounts are : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX