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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 card or prepaid card

this complaint is regarding my chase XXXX account ending in XXXX. 

on XX/XX/XXXX i sent chase XXXX my payment that was due on XX/XX/XXXX. 
i paid the amount due in full and, the payment was only going to north carolina. however, around the XXXX of XXXX i recieved my statement with a {$25.00} late fee and {$5.00} interest. it appears that my payment did not reach chase until after the XXXX. i can not figure out why? 

i called chase and they would not waive the fee 's. back around XXXX i had a late fee, ( of which i was also suspect ). i feel that there is a problem somewhere between New York and north carolina.that keeps my payment from getting there on time .i feel i can not be responsible for something that is beyond my control. banks always swear that the problem is not with them that they post payment 's when they should be posted, bla, bla, bla. it is always easy to blame the postal service, but i don't know. 
PS : i'm not sure if the payment goes to north or south Carolina, as i don't have a statement.
Product: Credit reporting, credit repair services, 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. In the event that you decide to not obstruct the accompanyin g 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX CXXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I recieved a call from ccs offices in ma. I called back to see who it was. The lady kept telling me I had to verify information. I said well if you know its me who you called then surely thats verification enough. She asked me to give my address I would not. Then she asked my middle initial I said I dont have one. I said what is this about. She said it was for XXXX XXXX   which I do not owe anything because I canceled and switched my insurance before the next billing date due. 
I also asked her what address she had on file for me and it was not even my correct address I said ok send it to me in the mail and send me a dispute right letter. She said we cant mail any of that to you. I asked for the bill she was collecting on and she said she couldnt send me that either I said lady if you are a collection company you know that by law you have to send those. Also she was in the XXXX it sounded like maybe or XXXX. 
So if it is a real company they are violating several fdca laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Received advert with Reservation Number : XXXX and Access Code : XXXX for credit card. Nowhere on advert does it say a hard inquiry will be made and nowhere on website portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial is reporting my account late for payments in XX/XX/2019. I have not been late on my car loan in XX/XX/2019. There was one incident where I had a typo on the information on their website and I called them to correct it and no one was able the verify the inputted data so I reentered it. There has been times in the past where GM got double payments because I thought the info was incorrect and  resubmitted because they stalled on debiting the payment. GM Financial needs to update my credit report immediately. I am not late for XX/XX/XXXX because it has not been 30 days past XX/XX/XXXX which is my payment due date which is current. I paid them for XX/XX/XXXX. I want my account information updated with all the credit reporting agencies immediately. It is a huge disservice to me as their customer to have to go through this.
Product: Credit reporting or other personal consumer reports

Was made aware of collection accounts with Wakefield and Associates when purchasing a house. One collection account was medical ( which was paid in full ) and the other was for a car. The car purchased was returned to the dealership due to many issues involving the work culture at the dealership and mishandled paperwork. They agreed to take the car back and the deal was closed with no further payments. Then this loan appeared on my credit report with Wakefield. I agreed to make payments of {$50.00} in order to continue the purchase of my home, for 2 years i made payments and not one payment was reflected on the balance. When I asked for payment history and expected payoff date, they stated their company does not provide that. They would not provide me with any information regarding my payment history or balance. In XX/XX/2023 they called and asked if I would like to continue payments. I asked for payment history and balance payoff again and they would not provide anything helpful in that area. They then stated that the credit beruea was dropping the case and had no explanation as to what that exactly means.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  and Experian and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Complaint - COMPLAINT ID XXXX / SUBMITTED ON XX/XX/2022 Equifax hasn't responded to my secondary email XXXX and phone XXXX. I still can't login on the myEquifax website. Please investigate this further CFPB. 

Equifax Disputes : XX/XX/2022 Case Number : XXXX / Case number created by XXXX and his Supervisor ID XXXX / XXXX / Spoke with several managers and supervisors they are still seeing issues on my login and under XXXX XXXX I'm unable to verify myself online due to Equifax. I already spoke with XXXX XXXX informed them about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to request an investigation of the following information displayed on my credit report. In accordance to the fair credit reporting act the accounts below have violated my federally protected consumer rights to privacy and confidentiality : XXXX XXXX XXXX  XXXX. 
ACCOUNT # - XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

- Contacted the creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning the medical collections of my credit reports.

- Creditor responded that the information was accurate and valid per FDCPA. 
- However, the No Surprises Act requires healthcare providers to give a good faith estimate of medical expenses for individuals whose insurance didnt cover their care.

- Debt collection agencies are not supposed to report information about medical debts covered by the No Surprises Act. Doing so violates my rights under the Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 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 166b A Creditor MAY NOT treat a payment on credit account under an open and consumer credit plan as late any reason.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau ( CFPB ), I am writing to report a violation of 15 USC 1681b ( f ), regarding the unauthorized purchase of my information by a collection agency with which I have no contractual agreement. I recently discovered that XXXX XXXX XXXX XXXX XXXX XXXX  has been attempting to collect a debt from me despite the absence of any prior relationship or contract between us. This agency appears to have obtained my personal information illegally, violating my rights under the Fair Credit Reporting Act. 

I would like for the CFPB to investigate this matter quickly and take appropriate action against XXXX XXXX XXXX XXXX XXXX XXXX XXXXor their unlawful acquisition and use of my personal information. I have not authorized any entity to obtain or use my data for debt collection purposes, and I believe my rights under federal law have been infringed upon. 

Please let me know if you require any additional information from me to proceed with this investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that Experian has inappropriately accessed, disclosed, or failed to safeguard my credit information without my consent in a recent data breach. This is a direct violation of my rights under 15 U.S.C. 1681b, which limits access to consumer credit reports to entities with a permissible purpose. Unauthorized access to my credit information is a serious breach of my privacy rights and places me at risk for identity theft, financial harm, and unwarranted XXXX-party scrutiny. 

Additionally, the Federal Trade Commission ( FTC ) enforces FCRA provisions that require credit reporting agencies to implement reasonable procedures to protect consumer information from unauthorized access and disclosure. Experian 's failure to uphold these standards constitutes a clear violation of federal law.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : PNC BANK Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX  XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent.
Product: Debt collection

I ask that the cfpb please help me to get the credit reporting agency. 
1, XXXX to please do what the FCRA and the FEDERAL LAW DEMANDS on section 609 ,1, a,1, of the FCRA where the reporting agency has to provide my origional signature on the consumer contract with in 30 days or be deleted from my report. I have tried to call Senex the creditor and they can not verify that this debt is mine by the signature and I submitted a formal dispute with XXXX and they came back with accurate but failed to provide me with any signature as the FCRA 609 demands and not suggests.

the report number is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Prepaid card

I purchased several Amex Gift Cards worth {$1000.00} each. They were kept in my security box at the bank. After some time ( because I had multiple Amex gift cards ) when I went to use this one in particular - there was only {$1.00} on the card. I called the phone number listed on the back of the card and filed a complaint with them in XXXXXXXX XXXX They gave me a Case # XXXX. They told me to call back in two weeks every time that I called them. They also confirmed that I would receive a replacement card with a balance of {$990.00}. For months, I have been calling them, to no avail. I asked them for their fraud department and they wouldn't help at all with that. They would send me to a " supervisor ''. Again, with no help. They asked me to e-mail something that showed my address because they said that two cards had already been mailed to me, but I never received a replacement card. I wrote to my state representative, my state 's attorney general 's office, my state 's senator. I heard back fairly quickly from the state 's attorney general 's office, which included your site to contact for help. The last time I called the number on the back of the gift card, I was again connected to a " supervisor '' who hung up on me. This is an American Express gift card and I spent a lot of money purchasing these cards. I did check the balance on the remaining cards that I have and the balance is correct for now. I hope it is correct when I go to use them. I want the balance that is due to me which is {$990.00}. I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( TXXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX  XXXX - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( TRANSUNION XXXX - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX - XXXX  XX/XX/XXXX ( XXXX ) - XXXX XXXX  XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) - XXXX  XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX XXXX XXXX  ) - XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XXXXXXXX XX/XX/XXXX ( XXXX XXXX  These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

macy 's credit card {$3.00} that was paid XX/XX/20, .not sure but wasn't late ... and shouldn't be on my credit report.
Product: Mortgage

I refinanced my mortgage with PenFed in XXXX 2014. They advertise their mortgage rate offer by saying " we pay virually all closing costs up to {$10000.00} ''. In my loan documents, it said that there is no pre-payment penalty. However, now that I am trying to refinance, they are telling me that I owe them {$1000.00} for the closing costs they paid. This is false advertising!! There is a pre-payment fees!! My new lender thinks this is wrong and suggested I file a complaint.
Product: Debt collection

My personal information was leaked in the equifax and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX XXXX  account and fraudulent hard inquiry to be removed from my XXXX, Equifax and XXXX credit report immediately.
Product: Debt collection

I called them and told them that the account was open fraudulently and that maybe that they had me confused with a me and my step dad XXXX XXXX XXXX, but anyways I contacted them and let them know and they told me that they would let the credit bureaus know it's take it off still nothing has been done.
Product: Mortgage

Wf representative coached us on home mortgage modification which never happened and as they coached us we fell further behind on our mortgage we followed everything wells fargo instructed us to do. We ended up filing bankruptcy to keep or home because of Wells Fargo.