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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency 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: Bank account or service

I reported a fraudulent debit on my Chase business account in XXXX, XXXX ; XXXX specifically. My debit card was charged {$8700.00} at a night club. I informed Chase Bank that I believed I had visited the club but I most certainly did not spend nor authorize almost {$9000.00} in charges. As a matter of fact, I was told that my card had been declined and my associate was made to go to an ATM and pull out the equivalent of {$600.00} USD to settle our tab ( which in itself was a blatant overcharge ). This was after the assailants charged several thousand dollars to each of our other cards stating that they were declined as well. In the shuffle of cards the card in question went missing. Doing some research after the fact I discovered ( and informed Chase Bank ) of a well documented scam listed in the XXXX XXXX XXXX travel warnings that matched our experience almost exactly. XXXX We informed all of our credit card companies about the unauthorized transactions and they quickly handled the matter. 

Chase bank has refused to credit the unauthorized charges back to my account stating that the charges were authorized because I provided the merchant with my card, even though I never signed for the transaction or the amount, and my card was stolen. If a well documented scam by a merchant who has previously been flagged for this is n't covered in fraud protection, then it is n't safe for anyone to use a credit or debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX, KROSS, LIEBERMAN & STONE said I owe them XXXX and I disputed this claim and said I did not have a contract with XXXX XXXX, KROSS, LIEBERMAN & STONE and THIS company put this on my credit report. I call XXXX, XXXX, XXXX and they told me that these people can report this on my credit report with out having a contract or social security number all they need is my name and they can report what ever.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for its repeated failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in my credit report. Despite providing evidence supporting my disputes, Experian has failed to correct or remove inaccurate and unverifiable accounts, leaving them unresolved and causing harm to my credit standing. 
My experience mirrors the allegations outlined in the Consumer Financial Protection Bureaus recent lawsuit against Experian, which highlights systemic issues such as : Failing to forward consumer-provided evidence to furnishers ; Accepting unreliable responses from furnishers ; and Failing to adequately notify consumers of dispute outcomes. 
These systemic failures align with my personal interactions with Experian, where my disputes remain unresolved without proper justification. 
I request immediate corrective action to address the following disputed accounts : I XXXX XXXX XXXX  - Account : XXXX XXXX XXXX  - Account : XXXX ; Opened : XX/XX/XXXXXXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Experians failure to take corrective action constitutes a violation of federal law and my rights as a consumer. I urge the CFPB to take the necessary measures to ensure Experian complies with its obligations under the FCRA and resolves these issues promptly. 
Thank you for your attention to this matter. I look forward to your timely response.
Product: Checking or savings account

My account became froze on XX/XX/2020. I have faxed my documents 4 times & uploaded documents also twice. They have gave me 3 + fax numbers, they have gave me all the wrong dates and information. I faxed a copy of my social security card 4 times, my birth certificate 3 times, my expired ohio state ID 4 times, cable bills, my food card, my us bank reliacard, my forms from the bank about a dispute, I uploaded my payment history for the last several weeks from unemployment, my bank account or debit card preference info from unemployment twice and the receipt from the faxes I faxed also! I have been laughed at when I was crying & begging for help!!! I have all the call logs and if they was listening to my previous calls that have been made by myself to the company over 20 times you could hear the lies and wrong information given to me time after time and again! They lie, hold your money and won't try to help ppl.
Product: Mortgage

PNC Bank has failed to provide disclosures to for a mortgage after repeated requests to obtain same from XXXX XXXX. The loan application was processed on XXXX XXXX and my credit reports were obtained from the XXXX credit reporting agencies. 

PNC Bank after XXXX weeks, appears to be acting in discriminatory manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies on several of occasions. Those two Chapter XXXX Bankruptcies is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I contacted the US Bankruptcy Court initially at XXXX and was told they didnt see any information about me in there court records and suggested I come down to their office. I went to the US Bankruptcy Court IL FED Bk CTXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX as instructed and spoke to a clerk by the name of XXXX XXXX and she indicated that she didn't see a bankruptcy and they dont report bankruptcies to the credit bureaus. I have send 6 letters over the period of 2 years to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported this inaccurate information. Please assist me in this manner.
Product: Debt collection

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My issue is with Transunion, XXXX, and XXXX with a car loan company, XXXX in which each company reports late as of XX/XX/XXXX. As this is untrue, I relinquished the vehicle in XXXX yet its being reported as though I have XXXX XXXX XXXX  day lates. How can I have that many XXXX day lates reject and am offended by XXXX, Transunion, and XXXX reporting this erroneous information. This is keeping me from getting a mortgage and other credit. XXXX XXXX XXXX has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and XXXX, Transunion, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly as should anyone any consumer any American.
Product: Debt collection

I am writing to formally dispute the information that Portfolio Recovery Associates , LLC is reporting on my credit file. The account in question is inaccurately listed as being originated by Portfolio Recovery Associates , LLC. However, as a debt collection company, you acquired this account from the original creditor, and you are not the original creditor. This misinformation is misleading and has caused significant difficulties for me in obtaining credit. 

I am requesting that Portfolio Recovery Associates , LLC take immediate steps to correct this inaccurate information. Specifically, I request the following : 1. Update the account information on my credit report to accurately reflect that Portfolio Recovery Associates , LLC is not the original creditor, but rather a collection agency that purchased the debt. 


2. Ensure that all credit reporting agencies ( XXXX, XXXX, and XXXX ) reflect the corrected information on my credit file. 


3. Provide written confirmation of these corrections, and notify me once the updates have been made.
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XXXXBalance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$62000.00}, XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}. Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : AMERICAN EXPRESS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX/XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT NAME : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TRANSUNION are showing late payments where none existed. Documents attached include ; 1 ) XXXX CUSTOMER STATEMENTS, SHOWING ZERO LATE CHARGES AFTER XX/XX/XXXX AND SOONER WHEN ... .... . 2 ) XXXX REFUNDED 100 % OF LATE CHARGES AS SHOWN ON THIS XXXX STATEMENT ON XX/XX/XXXX ... .. AS SETTLEMENT OF 100 % OF LATE CHARGES AND ALSO PRIOR TO XXXX ... .AS ... SETTLEMENT OF A LONG RUNNING DIPUTE, 3 ) A LETTER FROM XXXX CONFIRMING WAIVER OF ALL LATE FEES ON THE XXXX 4 ) Not clear they have not confused account numbers, the enclose statement from XXXX HAS CORRECT AC #
Product: Credit reporting or other personal consumer reports

I had a business credit card through XXXX XXXX. I was an authorized signer on the account but it was a business card in the name of XXXX XXXX XXXX and XXXX, XXXX. In XXXX of XXXX, that business closed. I called XXXX ( as I did with XXXX XXXX  and XXXX XXXX, also exclusively business cards ) and told them of the business closure. I explained that any further communication should come to my primary personal address. They read the address to me and I confirmed it was correct. Additionally, I informed XXXX that the phone number they had on file was no longer correct as it was the business ' phone number. I gave my personal number, they read it back and I confirmed. They informed me that if the business closed, they would have to close the card account as well since it was a business and not a personal card. I was agreeable to that and the account was closed. It had a balance at that time just under {$20000.00}. I never received another communication with XXXX XXXX  again ... .at all. XX/XX/year> I checked my credit report. There was a charge off showing on my PERSONAL credit report for XXXX XXXX. It even shows no reporting up to XXXX XXXX they say I fell " late '' on payments. It was a business card and had never showed on my personal report at all to that point. I called trying to rectify the situation. To date I have spent XXXX total hours on the phone with over XXXX XXXX representatives, supervisors, credit specialists and internal recovery agents. I asked for a " pay to delete '' option, I asked for them to remove late penalties and I would pay the balance. Both requests were denied and they insisted they were right to report it on my personal bureau. Even though I confirmed with all of them that they had been sending the statements to the closed business address and calling the disconnected business phone number that I requested be changed several months prior. I finally paid the balance in full in an attempt to restore my credit as this is having a huge personal impact on my ability to further my current business dealings. I paid in full the balance of {$23000.00} which included almost {$4000.00} in fees on XX/XX/year>. Card number is ending XXXX. This was paid from my personal money, not that of the dissolved business which was the cardholder all the while, not me personally. It is still on my personal credit report showing as a charge off although I have the paid in full receipt. This is causing customer harm. I have been personally harmed and their representatives have made the mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I have recently discovered that I've become a victim of Identity Theft. I am writing this personal statement on my behalf of myself. My information was utilized to apply and or obtain financial goods and or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately. The account information is listed in this report and below : Accounts : XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX XXXX XXXXXXXX XXXX - OPENED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - OPENED ON XX/XX/XXXX Inquiries : XXXX XXXXXXXX XXXX  - INQUIRED ON XX/XX/XXXX XXXX - INQUIRED ON XX/XX/XXXXXXXX XXXX XXXX - INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX XXXX - INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - INQUIRED ON XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Payment from personal loan was suppose to come out of Wells Fargo checking account in the amount of XXXX. The bank refused to to issue temporary credit and several unanswered chat messages went out to the loan dept about the issue. My other bank XXXX XXXX  had issues and rejected the payment. Wells Fargo sent an unauthorized second payment. XXXX XXXX  Charged XXXX Overdraft for the unauthorized payment.