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

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, XXXX XXXX XXXX Date XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$10000.00}
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX ( XXXX ) XXXX Disputed XXXX submitted XX/XX/XXXX Disputed XX/XX/XXXX Disputed XX/XX/XXXX Balance on one {$840.00} and another account for {$680.00}
Product: Debt collection

This company feels they do not have to follow the law. For months now I have tried to reach them via phone and only gotten voicemails, luckily I left my email Even though they are well aware this is not my account, they refused to remove the misinformation with out me paying for it which is extortion. 
Attached I have included some of the correspondence from their secretary that refused to forward my information to a supervisor. 
By federal law they have to send me a letter via us mail then allow me 30 days to respond after that they can post the account on my credit bureau but they chose to ignore the federal law and just post this information on my report with out verifying or validating the debt. I have disputed this misinformation with my three credit agencies They immediately respond with in days that the information is accurate, has been validated and I had made a payment directly to them, to make their lie more solid.

This debt company gives all debt collectors buyers, and any other debt business a bad name they should be fined and or closed they act as if this is a game, they have cost me thousands of dollars, job oppurties, as well unnecessary stress. I filed a complaint early with the XXXX XXXX XXXX and this company has more than 113 complaints this year alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act 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 States A Consumer Reporting Agency can not Furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Kohl's/Ca [ itol One processed my monthly on-line payment thru a checking account I had closed XXXX  years ago. On XX/XX/year> I made a payment on my statement that wasn't due until XXXX. I was given a confirmation # XXXX. I had paid my previous bills in the same manner on-line using the same checking account ( as late as XXXX. 
When I got my XX/XX/year> billing, They included the amount I had paid on XXXX along with late fees and interest charges.I called them immediately ( XXXX ) and spoke with XXXX, employee # XXXX. I made a payment of {$63.00}, the same payment I had made on XXXX. He agreed to drop the interest charges and late fees that left me with a XXXX balance.He did not tell me they had reported me to the credit bureaus. He said they would open an investigation as to what had occured. He told me I had paid with my checking account ending in XXXX. I told him my checking account ended in XXXX and that i had paid my XX/XX/year> bill using that account. 
Kohl 's denied having done any wrong and refused to resind the report to the chedit bureaus. I filed a dispute with XXXX. They denied my dispute and sided with Kohl 's. My credit score went from XXXX to XXXX.
Product: Credit card or prepaid card

3 people requested to be put on my credit card and capital one will not give their names. Capital one said that they knew my personal information. All that they did was issue a new card I asked them to give me their names and capital one refused how can I protect myself if I dont know their names. Can you help me please
Product: Credit reporting or other personal consumer reports

Dear Transunion To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Product: Student loan

Because of a system glitch, my student loan provider executed an unauthorized payment against my student loan a whole week prior to my scheduled auto payment. As a result, my bank account was overdrawn and I incurred fees. I tried to get compensated for the fees and the servicer is requesting documents like bank statements showing the problem which are documents that can only be prepared on a monthly basis. I already sent a screenshot showing the payment made to them and corresponding charge. Because the snip can not include my name or bank information they are refusing to issue any kind of payment to make up for these fees incurred.
Product: Credit card

I received an email from Wells Fargo that misrepresented that I called about or applied for a credit card through Wells Fargo. I have a mortgage with Wells Fargo, but because I had never made the phone call about a credit card ( or at all recently ), I assumed that someone was trying to open a credit card using my personal information. For fear that my identity was being stolen, I called Wells Fargo to determine whether there was an application for a credit card, or any other product associated with the Company. There was not. This email is predatory and misleading. I have spent my entire morning during working hours trying to determine whether someone opened a credit card in my name, whether my identity was stolen, and who I would need to contact to file a complaint, etc. This should cease immediately. I called consumer finance gov about this when I received the email and the reference number is XXXX. 

This is the email : " Thank you for your interest in a Wells Fargo Credit Card. 
THANKS FOR YOUR RECENT CALL Here 's more information about accessing your current credit card offer Dear REDACTED, As a follow-up to our recent conversation, we want to make sure you have information on your current offer. Sign on to check your offer and complete your secure, prefilled application. 

From earning rewards currency on everyday purchases, * to getting discounts on dining, to booking preferred travel, there 's a Wells Fargo Credit Card that can help you make the most of your purchases and your passions. 

* Rewards currency is earned on net purchases ( purchases minus returns/credits ) only. Monthly or annual rewards program fees, cash advances of any kind, balance transfers, SUPERCHECKS, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points.
Product: Debt collection

On XX/XX/19, I sent a request for validation on 2 separate medical debts that Credit Control is reporting on my credit. I received a response from them that contained no information to justify the alleged balances they claim that I owe. To my knowledge, all of my medical debts have been satisfied. I do not believe that I owe them a balance at all. I responded in writing to Credit Control on XX/XX/19 advising again that they need to give an explanation as to why I would owe a balance and I advised them again that I do not feel that the information they provided was sufficient. They did not reply with any additional information to support their claim. Additionally, they have never sent me a notification of this debt or provided me with my rights to dispute which is a violation of the FDCPA. I only discovered this when I pulled my credit in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : 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

XXXX XXXX XXXX XXXX, I've contacted XXXX XXXX Customer Service and Their response is " they have to put in a ticket. Well, it been a week and ill still haven't been able to access my credit report. I'm really concerned about this. Look for an important letter in the mail and it relies heavily on my Equifax person information.
Product: Credit card

My complaint is with PayPal Credit Services and about their business practices related to easy access to and disclosure of " PROMOTIONAL BALANCES '' information in their consumer website. PayPal Credit offers 6 months, NO INTEREST, option with most merchants, for purchases above {$99.00}. This is great, HOWEVER, when the consumer goes to their PayPal website to manage their account and PROMOTIONAL PURCHASES, there is no easy, clear way to find a link to " PROMOTIONAL BALANCES. '' This makes it nearly impossible for people to quickly check the expiring promotional balances and manage them appropriately so that the accumulated interests are not charged at the end of the period when they have missed the deadline. Any other of the several credit providers I deal with, have this SO VERY IMPORTANT ACCESS to my account information not only readily available, but also it state how much has been applied to that particular promotional purchase, how much is owed and when it expires. Since I have complained to PayPal about this issue several times now, and they have updated the user interface on their website since then, it is very difficult to not think that this is being done on purpose and to keep the consumer unaware of the expiring balances to then collect the accumulated interest rate. PayPal is failing to provide clear disclosure and easy access to my PROMOTIONAL BALANCES status ; a product that they offer as a " benefit '' to the consumer with conditions of payments or else penalty will be applied. Please understand that this information is there in the website, somewhere buried. I have gotten to it, but I could not tell you how. I also understand that this information is in the full statement which I would have to go to the statement, download it, to then see it. Please understand that I know the information is there somewhere, my complaint is that it should be READILY AVAILABLE WITH A LINK TO " PROMOTIONAL BALANCES '' ON THE OPENING/SUMARY PAGE. They have a VERY CLEAR, EASY LINK ON THE MERCHANT WEBSITES offering this product. WHY NOT DO THE SAME ON THEIR CONSUMER WEBSITE for consumers to be able to manage this commitment? For the busy lives today, it is crucial to be able to take care of these important aspects of life quickly and efficiently.
Product: Bank account or service

JP MORGAN CHASE CHECKING ACCOUNT XXXX XXXX OVERDRAFTS WITHOUT PERMISSION FROM XXXX XXXX. STOP CHASE FROM OVERDRAWING THIS CHECKING ACCOUNT. STOP CHASE FROM CHARGING OVERDRAFT FEES. ASK CHASE TO PLEASE REVERSE THE OVERDRAFT FEES. SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that have been made on my credit report. These inquiries were not initiated or authorized by me and have appeared on my credit report without my consent. I request that these inquiries be removed immediately as they are damaging my credit profile. 

Experian : XXXXXXXX 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 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 XX/XX/XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), inquiries into a consumers credit report must be authorized by the consumer. These inquiries were made without my authorization, constituting a violation of the FCRA. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain accurate information on consumers credit reports. The presence of these unauthorized inquiries indicates non-compliance with this provision.

Request for Immediate Action : I request that you conduct an immediate investigation into these unauthorized inquiries and remove them from my credit report. Please provide me with an updated copy of my credit report reflecting these corrections.
Product: Credit card or prepaid card

XX/XX/19 I was charged {$170.00} on a {$2000.00} balance from Barclays Aviator MasterCard. 

In XX/XX/XXXX I made {$8900.00} in payments and {$1000.00} was returned. ( I made a mistake putting funds in the wrong checking account and contacted MasterCard immediately to inform them ). I was penalized by MasterCard for {$25.00} dollars and thought that was the end of it. 

That penalty apparently wasn't enough, I was then charged interest ( {$170.00} ) on {$7600.00} instead of the {$2000.00} that was my real balance. 

On XX/XX/19 I spoke with XXXX from Barclays MasterCard and was informed that they as a policy ignore the balance on my credit card if a payment is returned and charge interest on a larger amount. She did not believe that the {$25.00} penalty was enough payment for my mistake.
Product: Mortgage

I have been paying for 10 years interest only on a XXXX and XXXX loan.  After a divorce I was able to purchase my current home, but was put into these interest only loans.  After 10 years on paying, XXXX notes on time and never late...they XXXX have changed from interest only - principle and interest only.  My XXXX loan is at a good interest 2.625% which I'm able to make along with the association fee.  My XXXX is the problem at an 8.875% interest, was paying XXXX and has jumped to XXXX XXXX my payment effective XX/XX/XXXX.  I cannot make this payment.  I have tried to ask for help with my XXXX mortgage directly, but they will not help in re-financing the XXXX loan only.  I don't qualify to re-fi the XXXX loans because I have no equity on my home.  I asked the XXXX mortgage if they would consider a principle reduction or forgiveness and they said NO.  For the past 10 years I have paid them responsibly and never been late or ever missed a payment, and now they will not help in any way, shape, or form.  I'm dis-trout in considering short sale and losing my home and having to walk away with nothing.  More so my credit which I have worked my entire life in maintaining an excellent credit and is effecting me to know that my credit will be damaged if I proceed with the short sale.  I have called and have exhausted all avenues to get someone to help me, but no one can.  That is my current situation.  Thank you very much for your attention to this matter!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX have 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: Credit reporting or other personal consumer reports

XX/XX/year>. A large loan of {$75000.00} was taken out under my information from this company without my knowledge or consent. 
None of the addresses listed as mine are correct either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THOSE FRAUD inquiries shall delete from my credit report. 
XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX  INQUIRY DATE : XX/XX/202XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/2023 DELETE XXXX FRAUD INQUIRIES FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting a debt from XXXX XXXX XXXX the debt has been paid off completely and I want it removed completely from all three credit reports. It is preventing me from getting approved for a place to live.
Product: Debt collection

The following accounts have violated my consumer rights XXXX XXXX XXXX XXXX  : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. XXXX action requested, including deletion of derogatory info. 

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings.

Prompt attention and resolution expected.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that Ive been a victim of identity, theft, and found numerous credit increase I have no knowledge of. Here are the inquiries that I found : 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 XXXXXXXX
Product: Debt collection

I tried several times to dispute a repossession from my credit report that my ex wife let it go without my consent. 

TOYOTA MTR Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan has been in the modification status since XX/XX/2020. My payments have been made on time up until this month. The mortgage company reported on time payment every month except XXXX/XXXX even when they were paid the first of every month. I tried for two months to contact someone and to no avail you can not speak to anyone. I sent emails and called the company and nothing has changed. The company corrected one month and then posted late the following two month. With this reporting my credit score has dropped 50 points and this will prohibit me from refinancing in the future. I take full responsibility of all late payments prior to the loan modification due to being laid off from XXXX XXXX after 27 years. I am looking for your assistance in any way you can. Hopefully i can get this resolved quickly Thank you XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised Bank of America about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now twelve years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, issued by XXXXXXXX XXXX is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in Federal Court in the XXXX XXXX XXXX XXXX. This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.