23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

On or about XX/XX/XXXX I spoke to a representative at Coastal Credit and had made an arrangement to pay {$50.00} to get my XX/XX/XXXX payment deferred, the payment was due by XX/XX/XXXX. I had a problem getting the funds by that date due to the fact that I had to pay my rent and utilities since I am in the process of retiring those things were my priority, so on XX/XX/XXXX i called the company to see if i could pay it on that day. I spoke to the account rep XXXX and he said he would not accept it that I could pay the full monthly payment amount and the he could look at deferring XX/XX/XXXX payment. During the conversation he was rude and i felt harassed and pressured because he said to me something to the fact well you are 31 days past due and it can be reported to your credit bureau and isn't the car important to you. I told him no keeping a roof over my head is more important, so he said well what if we just come pick it up between XXXX and XXXX. I told him to let me know and i would get my stuff out and he could have it. He then said to me well you seem frustrated because you are talking over me I said to him no I am in a hurry to get to work and he kept on with you seem frustrated. He then began to say well he will give me a few days to think about it and follow up with me and he hung up on me. Later that night on XX/XX/XXXX a lady by the name of XXXX called me and we discussed what had happened between XXXX and myself, she said that her manager told her to follow up with me to see what they could do to help,, short of it she was willing to defer the payment and take the {$50.00} with it due by XX/XX/XXXX and a full payment by XX/XX/XXXX. I informed her that I no longer wish to be contacted by XXXX. She said that she would note my file and asked if she could call me on his behalf I said yes, but did not wish to be contacted by him again. Well long story short today XX/XX/XXXX i got a text msg from XXXX at XXXX XXXX my time and that is clearly a violation of the FDCPA. I am not to be contacted before XXXX XXXX my time and not after XXXX XXXX my time and he clearly violated that. Also after reviewing other text msg from this companies reps I also received a text msg on XX/XX/XXXX from someone named XXXX about a payment that I had scheduled that did not go through. This is truly to violations of the FDCPA within about a 90 day span. I called the company this morning ( XX/XX/XXXX ) and spoke to a lady that said she was a manager and that she would report this to the director.  I feel at this point that this is harassment when i am making an effort to communicate with them and to try and make a payment.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO ( Transunion ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX XXXX  on XX/XX/year> under the ( XXXX account number ). These accounts have resulted in several fraudulent late payments appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

TO WHOM IT

MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as poss
ible.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD INQUIRIES. - DATE XXXX XXXX XXXX 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

Unauthorized inquiry on my credit report from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Participant
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XX/XX/2016. I checked my credit report, which I acquired from Transinon. I have contacted XXXX XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Product: Checking or savings account

My name is XXXX XXXX I need my XXXX to be unblocked or unrestricted and unenrolled so I can enroll it at XXXX XXXX XXXX email is XXXX and phone number is XXXX etc.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX  Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also 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 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 are listed on my credit report 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
Product: Student loan

I did not finish my degree due to owing the school a balance. I owe this balance because I did not find out that my loan was denied in time to cancel my classes for that semester so therefore, i was charged the entire sum. I am making monthly payments. 
Also, since I am not working at the position that I went to school for, I am not making enough money to pay the monthly payment on my private student loan. I also have XXXX which doesnt help matters. I have tried to converse with the lender to get an income repayment plan for a much smaller monthly payment or redo my loan to get the time extended which would bring my payment down. They have denied everything but a 3 month forbearance. I appreciate any help you can give. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I been paying on my Car title loan for 2 years and the interest rate will not go down and I asked since I been paying on my title for 2 years can they work with me on my interest rate and they said that it wasnt nothing they can do, I owe {$4500.00} but I just can pay it off with the interest rate they got me paying, this is really stressing me out, that I have to pay {$530.00} a month when my title loan isnt going down or/ and they will not work with me and this really stressing me and my family out. And the title pawn Im with is Title Max
Product: Debt collection

This account on my credit report is inaccurate and incomplete due to significant inconsistencies in the Date of Last Activity reported to the credit bureaus : XXXX shows XX/XX/XXXX, XXXX lists XX/XX/XXXX, and it is not reported on XXXX. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) requirement for accurate and consistent reporting across all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called Equifax on  XXXX   XXXX     2017 after  sending several certified letters and hearing nothing in return. I talked to an employee that was beyond rude and refused to dispute my debt OR provide any information on how inaccurate information was verified with no contracts or bearing signature. ( this employee went on to say Equifax as a credit bureau Does Not have to verify anything, they can just look at at screen and if my name matches, it 's valid ) I then stated if you mark something on my report as verified by your company Equifax, I have a right under federal law to be given information on HOW this was verified as it IS Inaccurate.   I also informed this employee that the company continues to report addresses that I do not live at nor have lived at nor can I receive mail at. Which again means this company is reporting inaccurate information about me. I also sent a certified letter to EQUIFAX and  XXXX  on  X/XX/17    stating something along these lines ... Please validate this information with   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature.   In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act  Section 611 ( a ) ( 1 )  ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to  XXXX  or any means of automated verification.   This company has no professionalism and before my call was over the employee had even told me to try to sue them, as he will not do anything to verify any information on my report and hung up on me. I was in shock! I have never in my life dealt with such horrible customer service, not to mention the fact that they make it impossible to talk to anyone about a dispute or incorrect data that they continue to report. Equifax and  XXXX  will transfer you over and over again until somehow the line gets cut. It is an endless circle that gets nowhere and then when you do finally get ahold of someone this is how they speak to you. Not impressed at all with this credit company.
Product: Checking or savings account

I opened an account on XX/XX/XXXX and made a deposit. On XX/XX/XXXX the bank said my account was closed without my knowledge. I have not received my money. The only information they give is they sent me a check which I never received. I never authorized any transaction and never made any transactions after I opened the savings on XX/XX/XXXX. I just want my money back that was stolen
Product: Debt collection

I received a bill from penncredit corporation, l contacted them and I was told I owed XXXX XXXX, but I have never any XXXX with XXXX
Product: Debt collection

Midland Credit Management has attempted to collect on a debt REPEATEDLY that they have not validated, even through they were sent a letter of validation on XX/XX/XXXX, they have still harassed me via emails, with DAILY emails, I have the proof, and constant calls. 

My current report has a listing and/or listings, in which, has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ). I am writing to request validation of the debt referenced in your correspondence dated XX/XX/XXXX and XX/XX/XXXX in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as a formal request for verification of the debt, and I request that you provide the following documentation : 1. **The original contract or agreement** between myself and the original creditor that establishes the debt.

2. **A copy of the assignment contract** ( or written agreement ) that evidences your legal right to collect on the debt.

3. **A complete statement of the account**, including the amount of the debt, the date it was incurred, and any interest or fees that have been added since its origination.

4. **Any judgment or other legal documents** that support your claim to the debt, if applicable. 

Under the FDCPA, I am entitled to request validation of the debt. If you do not have the requested documentation, or if you can not verify that you have the legal right to collect this debt, please immediately cease all collection efforts and remove any negative reporting from my credit history that is related to this account. Please respond to this request in writing. I look forward to your prompt response. Be further advised that I am closely monitoring my credit profile. Per the Federal Law, you have exactly 30 DAYS to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 

Without even validating this debt, this company has negatively reported to the credit bureaus which has obviously impacted my credit report negatively, and have harassed me via email and phone but especially email, which is a CLEAR violation of my consumer rights, per the Federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I received a letter in the  US  mail from Synchrony Bank on   XXXX   XXXX  2017.  The letter advised that my recent request to obtain credit had been denied. The letter was addressed to me under my maiden name. I immediately contacted Synchrony Bank Customer Service to advise I did not authorize the request for this credit. I requested a copy of the application details to be mailed to me. I was advised to submit a formal request in writing. I sent a written letter following up to my request for records and mailed it certified mail, tracking #  XXXX   XXXX   XXXX   XXXX   XXXX   , w hich Synchrony Bank received on  X/XX/17   . Since I received no response from Synchrony Bank, I sent a second letter to request a copy of the application on  X/XX/17   , tracking #  XXXX   XXXX   XXXX   XXXX   XXXX   ,  which Synchrony Bank received on  X/XX/17   . Both mailings included copies of my FTC Identity Theft Complaint and the face sheet referencing the Police Report I filed relating to my identity theft. As of today,  X/XX/17   , I have not received a written response from Synchrony Bank regarding the application details. In accordance with section  609 ( e )  of the Fair Credit Reporting Act,  15 U.S.C. 1681g ( e ) , I am entitled to the business records relating to the fraudulent request for credit. The law directs these documents are provided to victims of identity theft at no charge, and without requiring a subpoena, within  thir  ty ( 30 )  days of my written request. I am filing to complaint due to Synchrony Bank not responding to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account- XXXX XXXX XXXX XXXXXX/XX/2022 $ XXXX Inquiry- XXXXXXXX XXXX XXXXXX/XX/2022 inquiry- XXXX XXXX XXXX XX/XX/2022 inquiry- XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX accountXXXX XXXX XXXX XXXXXX/XX/2022 {$140.00} Account- XXXX XXXX XXXX XX/XX/2022 {$390.00} inquiry- XXXX XXXX XXXXXX/XX/2022 The above referenced accounts/inquiries were not authorized by me. Ive contacted companies in regards to the misinformation and given them 30days to comply. The companies who did comply are not list and they have removed any false info from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$35000.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$21000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Collection account. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5100.00} XXXX Account charged off. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1.00} XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8700.00} Status Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.