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

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor {$1100.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX {$550.00} Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions, I break it down to understand like this, consumer ( indvidualu ally person ( company ) transaction ( payment history ) experiences ( utilization ) so if You have ion late payments on credit report go look up this ng law and use all the words marked in st ) parentheses, include this in your dispute letter and get em removed! 

XXXX XXXX XXXX Please remove late payment
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I have fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2017 and 60 days late for the month of XX/XX/2017. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and fraud! I have contacted equifax 4 different times. 

By law these inquires should be removed immediately. I have never applied for any accounts from these companies listed below. I have contacted all parties including my local police department, the companies stated below, filed a Identity theft report, copy of license is included and a copy of my social security card is here. 

This has been a inconvenience for me and I expect to have this process expedited immediately and these fraudulent and inaccurate accounts blocked and deleted immediately. 

Fraudulent inquires dates include : XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and have no idea why they are there. I regularly check my credit report, but this time I noticed unexpected discrepancies. Refreshing my browser didn't fix the issue, and the inquiries remained. Therefore, I request that the documents I sent be thoroughly reviewed to ensure this problem is resolved permanently.
Product: Debt collection

Per complaint filed XXXX I have had one and only one XXXX account which was opened almost 20 years ago. I have never had or held a negative balance with XXXX. 

Since filing the complaint, the company has called again. This time, the person on the other end refused to accept that I would not be talking or confirming anything with them and started screaming out Personally Identifying Information ( PII ) over the phone including a SSN. 

This is feeling more and more like a corrupt company trying to illegally attempt to collect a debt. I do not and will not ever conduct business over the phone as debt collectors will always claim that what was said was not said. Only in writing, and the writing you just filled out to this federal agency is very much so fraudulent. My XXXX  account is in good standing and I've never had a negative balance.
Product: Credit card

CHASE BANK CREDIT CARDS ( BOTH UNITED AIRLINES { UA } XXXX XXXX XXXX have had multiple fraudulent charges. I've stopped using UA CHASE VISA because they are not removing fraud charges. And XXXX card has me calling them every few days because for no rerason they stop my USE. I find this discriminatory and an ELDER CRIME as they are not practicing any fiduciary responsibility, in fact, I call it now FINANCIAL ABUSE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX : {$7900.00}
Product: Debt collection

my name is XXXX. i had this collection pop up on my credit i already disputed it with XXXX XXXX and XXXX and NATIONAL CREDIT ADJUST mailed a bill of a credit card bill.. but the bill is over 10 years old.. debt can not collect on a old debt plus the debt is not mine. it belongs to another XXXX XXXX my ideniity has been stolen i have police report and i have extended fraud alerts.. 

i want this company to remove this item off my credit or else i will hire a fcra attorney and sue why not free money this is last time ill dispute this next time im sueing remove today Account Details Account Number XXXX Date Opened XX/XX/2021 Last Activity XX/XX/2021 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$860.00} Unpaid Balance {$860.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Prosper Card Services in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy and also 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 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.

Upon researching my credit report I have late payments not only reported but false. Included with these late reports are a decline in balance with many future payments scheduled with this company.
Product: Credit reporting or other personal consumer reports

I sent a letter dated XX/XX/2023 to XXXX disputing an account reported on my credit. 
This letter was sent out as written below : XX/XX/2023 Dear XXXX, I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below account you are reporting. 
I previously requested that you provide the original contract for the item that I previously disputed that are listed below. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 
Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

-Account Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : {$7400.00} Collection Balance : {$7400.00} You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX XXXX This was the second letter sent due to receiving a response to my first letter where only XXXX account was removed. And no further information regarding the above account in dispute. 

Ive received the Domestic Return Receipt For the letter sent out on on XX/XX/2023 and so I know its been received.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer- provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed it venders to charge to my account item s which I did not order causing to go over the limit without notice it was reported the credit reporting with out notice or opportunity to pay overages no notice be fore the Hume was done the item I ordered some there was lot I did not order nor were on my order
Product: Debt collection

On XX/XX/2021 via Priority Express mail number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Discover Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Discover Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Discover Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Discover Bank contacted me via phone, sent me emails and statements that I did not directly consent to and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Discover Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Discover Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Discover Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Discover Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Product: Credit card or prepaid card

According to Truth-in-Lending disclosures within contractual credit instruments I received are evidence a consumer credit transaction took place in the name of the principal ; legal person that I, the consumer utilizes. I am NOT the legal person. 

The subject of the credit transaction was charged to my security credit card; was for personal ; household purposes & not for commercial means. Transaction was satisfied ; settled at the dealership upon my signature. 

On XX/XX/2022 WELLS FARGO ( WF ) attempted wrongful repossessions. WF did not have express permission from a court of competent jurisdiction nor lawful right of seizure of my private property. I was not properly notified by Wells Fargo which caused a confrontation ; breach of peace. 

UNAUTHORIZED USE ; AGGRAVATED IDENTITY THEFT : XXXX sold my private personal financial & location information to a third party XXXX XXXX XXXX XXXX XXXX ( XXXX ). I did not give explicit expressed consent, either in recorded verbal form nor written form to use my private financial information to aid WF & XXXX in making a profit for their business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report from your organization on XXXX XXXX and noticed credit inquiries that I did not authorize.
Product: Debt collection

Midland Funding is trying to collect on a debit that had already reached the statue of limitations with XXXX XXXX Bank. Account was closed, marked as paid and then re-opened for around the same amount. With a new account number to continue collecting on a debit that they have almost tripled the original amount owed. It says that this is due to fall off my report as of XXXX but what is stopping them from doing this all over again and extending it another XXXX years?
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX ( XXXX ) ( XXXX ) XXXX ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under XXXX XXXX XXXX. 

According to : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

According to : XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : XXXX U.S.C. XXXX ( A ) ( XXXX ) 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX FIN XXXX Balance : {$2800.00}
Product: Checking or savings account

I HAD AN OVERDRAFT IN MY ACCOUNT. I HAVE PAID THE OVERDRAFT WHICH HAS ALSO LEFT {$2300.00} IN THE ACCOUNT. CAPITAL ONE BANK IS REFUSING TO ALLOW ME ACCESS TO MY ACCOUNT AND/OR FUNDS.THEY HAVE RESTRICTED THE ACCOUNTS ALLOWING NO WITHDRAWS OR PAYMENTS AND REFUSE TO LIFT THE RESTRICTION. I HAVE SUBMITTED ALL DOCUMENTS REQUESTED IN ORDER TO VERIFY MY IDENTITY. I HAVE SPOKEN WITH SEVERAL REPRESENTATIVES, SENT SEVERAL EMAILS AND LEFT MESSAGES AS WELL. I NEED ACCESS TO MY MONEY IMMEDIATELY. I WORK FROM HOME SO I NEED TO BE SURE THAT I CAN PAY MY RENT, INTERNET AND PHONE BUT CAPITAL ONE IS REFUSING ME ACCESS TO MY MONEY WHICH MEANS I WILL FACE EVICTION AND TERMINATION FROM MY JOB. I ALSO HAVE NO WAY TO FEED MY XXXX CHILDREN AND NO ONE WILL HELP ME.
Product: Checking or savings account

ATM Machine took my money and did not provide a receipt nor was it deposited into my account, ATM machine has now been removed. See additional information below. I think I put the entire description in the wrong slot.
Product: Debt collection

I have notified Southwest Credit System that I was a victim of Identity Theft and that this account do not belong to me. I provided XXXX with an Identity Theft Affidavit. To date, Southwest Credit System have not removed this account XXXX XXXX XXXX from my credit file. So, I am asking for your help in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Mortgage

Following our application with Quicken Loans XXXX XXXX, XXXX # XXXX with Quicken Loans on XXXX/XXXX/2016 originally told us and sent over disclosures confirming our rate was locked in at 3.875 % with XXXX points. On XXXX/XXXX/2016 Quicken Loans provided us a " Re-disclosure '' package in this package our rate is now showing 3.875 % with XXXX points. XXXX Loans/XXXX XXXX need to honor our previously agreed upon rate lock.
Product: Credit card or prepaid card

I have had a Discover Card since XXXX and I will admit that I am not always the best at thoroughly reading through my statement. I was reviewing statements recently and saw that I am being charged for Discover Payment Protection on a monthly basis. This is a program that I never authorized my enrollment into. I have since checked all of the statements that Discover has for my account online ( they only have back to XX/XX/XXXX ). Totaling up all of the charges I was charged an overall amount of {$1100.00}. This is just the last 2 years. I called Discover on XX/XX/XXXX once I came up with this total and spoke to a representative named XXXX who told me that I started getting charged for this service about 3 months ( since 2010! ) after I opened the account. I questioned how it was that they enrolled me and she said that they had previously sent out letters asking for authorization to enroll their card holders. I informed her that while I got those letters I did not sign that I was authorizing my enrollment, so how is it that Discover enrolled me anyway. She then informed me that she would cancel my enrollment and reimburse me for the last 3 charges. I asked why I was not being reimbursed for the total amount that I was charged and the response that I got was that I would not be reimbursed the total amount because the letters they sent out were what enrolled me in the program, therefore I should have known that I was being charged. I again asked how a letter that I did not sign ( and at no point did they get verbal authorization from me either ) gave this company the authority to enroll me in this program. She was unable/unwilling to answer this question and was not able to direct me to anyone else within the company whom I might talk to about the issue.
Product: Credit card or prepaid card

We have been reviewing our Bank of America convenience check we used.  We have attached at a copy of the offer we received before using the Bank of America convenience check.We chose offer XXXX for a 0% ( 0% daily periodic rate (DPR) promotional APR until XXXX 2018.)We are being charged interest for over a year and not 0%.  Why?  It is just now XXXX 2018. This pertains to the account ending in -XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from XXXX that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Multiple inconsistencies are on my report and have been highlighted on each account below i also attached letters exercising my rights and proof. 

accounts 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