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

my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XX/XX/XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted transunion and XXXX to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

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

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Collection Acct Names XXXX XXXX XXXX XXXX Acct # XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 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 7 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

Earlier this week, we were alerted to the fact that the personal financial information of consumers had been compromised due to an " epic breach '' at Equifax, one of the three major credit reporting agencies. 

One piece of advice given to consumers was to freeze their credit files with all three agencies - Equifax, XXXX and XXXX. 

Equifax is still permitted to CHARGE for a credit freeze, effectively allowing them to profit from this breach. They further want to CHARGE people for the privilege of having their credit files monitored for fraud or other unusual activity, a service that all three credit reporting agencies should be providing for FREE 365 days a year. 

To use the word " outrageous '' is an understatement. I am reporting gross incompetence and mismanagement of my financial records at Equifax.
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 Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Re : XXXX # ( XXXX ) Re : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 






Sincerely XXXX XXXX
Product: Credit card or prepaid card

I purchased a laptop from Best Buy in XX/XX/XXXX on credit - a 'rewards card ' ; bundled with it was a Debt protection service which I opted in for. Over the years as Best Buy was acquired by Citibank I tried on numerous occassions to stop this debt protection because I never missed a payment and it was unnecessary - finally in XXXX : I was able to contact this Best Buy Citibank subsidiary - I began to realize that the great adversity which one has with the online account process in fact is massive fraud. Here is an example like my own ... ..XXXX XXXX XXXXXXXX I have tried on numerous occassions to audit my account - finally I made the mistake of asking the company itself to help me ... ..now there are no records of these past many years of transactions ... .just a debt that never goes away. As a conservative and conscientious consumer it dawned on me that Consumer fraud is in a word a corporate entity which collects exceedingly high interest rates and also sells debt protection services along with it - ( conflict of interest? ). This theft of services is obviously rampant ... .I would like to recover the excessive interest which this predicament has created at least - thank you for your attention.
Product: Payday loan, title loan, or personal loan

I am not the debtor my son is. But Ive received multiple calls asking me to give him a message. Ive requested that they take me off the list of reference and not call me again but received a call today XX/XX/19. My son said they havent even contacted him.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : 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 XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Equifax has been inaccurately reporting on my account, XXXX and XXXX  my credit report. I have tried to fight this several times and it hasnt been removed or successfully resolved. There are accounts that are reporting as open when the collection or accounts have been labeled as charged off. I need this removed immediately, per 15 usc 1681 it has been breached and isnt fairly reporting.
Product: Checking or savings account

I sent an email to Robinhood support " Case Number : XXXX '', to close my account and transfer any remaining funds from my robinhood account to my personal bank account. They replied that they closed my account but didn't specify anything about my funds. There is {$2200.00} in my robinhood account that they are holding XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Husband who was my boyfriend at the time was XXXX XXXX XXXX XXXX  and XXXX   XX/XX/2016 and had XXXX. He needed assistance for XXXX XXXX, etc and could not be left alone. I lost my job to take care of him and help him with at home therapy. After becoming behind in payments with XXXX XXXX   I informed company I was no longer employed but wanted to pay and keep vehicle. But they wouldn't wait so had no choice but to let them come and get vehicle back. They repo truck i believe XXXX, and I became employed end of XXXX maybe beginning of XXXX. I was told i only owed around {$500.00} to keep vehicle from being repo. By then I had to get another vehicle to continue working so then i could not afford rent & bills, healthcare, new car payment and etc. They wouldnt wait and {$500.00} is what got my vehicle repo now the statement on the account shows sent to collections and the amount is different. It is negatively impacting my credit and keeping me from getting a home/mortgage.
Product: Credit card or prepaid card

Previously, I had made someone make a claim on my behalf to the CFPB COMPLAINT ID XXXX. The person that submitted the claim on my behalf did not provide accurate information. The information to the following complaint, from what I recently just saw after the company made a final conclusion, the previous information provided by the creditor should not be used in this next investigation that Im about to open up. 

I, XXXX XXXX, applied for a Chase Freedom student card on XX/XX/2022. I went in branch and did this. My main issue did not start until XX/XX/2022 where I started getting fraud charges on both my debit and credit card. I had to keep re-opening new accounts and had to keep getting new replacement cards for my freedom account. Charge after charge I kept disputing and got tired of this. As to my knowledge I kept paying down this balance. Until Ive noticed more charges on my credit card since then I have received late payments on my credit report because I do not feel obligated that I have to pay on this card any longer as the charges on my card were fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with XXXX dating back to XX/XX/2017 XXXX. XXXX XXXX. XXXX XXXX and a medical company which was not opened by me or authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to XXXX, XXXX, and Experian to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your issue.
Product: Credit reporting or other personal consumer reports

My credit report it reporting an auto loan of XXXX with no payment history starting in XXXX of last year. I have disputed with credit bureaus directly and it is not deleted. The number to the company on my credit report has NO RECORD OF ME WHEN I CALL IT. They just send me to a debt collection agency. The debt collection agency says they were given an auto loan contract from US AUTO SALES which the company filed BANKRUPTCY because the loans were fraudulent and they were caught. I have requested debt validation letters, a copy of my contract, any payment history, warranty contracts, etc. and they have nothing besides my personal information.
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 XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts 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 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

My Citi card was declined on two purchases in a row. I had not heard from Citi, so I thought this was odd. The only time in the past my card was declined, Citi contacted me immediately and asked if the card was fraudulently used or stolen. 

I contacted Citi and was told they suspended my card as my payment was 4 days late. 

I had set up my payment previously using my bank ( XXXX ). I checked my XXXX bill pay site and found that I'd accidentally set my payment for the wrong week, so my payment was truly 4 days late. 

My complaint is this : I've been a great customer for years and pay my entire balance every month, on time. This was an administrative error, which Citi did not even contact me about to clear up. They simply suspended my account immediately, without recourse. 

When I called Citi to find out what was going on with my account, their automated system informed me " this was a collection call. '' That was how I found out I'd made a mistake on my payment setup from my bank. 

This is ridiculous. I of course will be cancelling my Citi account and have already obtained a new credit card. I am telling all my friends and anyone I know about this - a number of them have already cancelled their cards as well. 

I am one of the fortunate people who is able to pay my bills during this trying time. I do not need to have my credit ruined by a simple administrative error. 

I will never do business with Citi again. 

The form asks about military status and does not have a section for XXXX   XXXX XXXX ( XXXX ). I had to select " XXXX  '' as my status because that is the closest to XXXX on the form. My actual status is XXXX.
Product: Debt collection

ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency MIDWEST RECOVERY SYSTEM LLC XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the XXXX grace to acknowledge or dispute the debt.
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the call with them, dated XXXX XXXX specifying I have XXXX to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and XXXX response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 US.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

They call daily to say they are processing papers for court ( to take me to court ) Both me and my XXXX year old mother. They are also contacting family members. They say they have to get us processed for court and that our legal rights will be forfeited once they file with the court. When I call them they are asking for a {$500.00} processing fee with credit card only. I will not pay this and I believe this is an old debt. I believe this is a scam. They will not give me the name of the collection firm, so I am not able to send a stop contact letter. I want this to stop.
Product: Debt collection

I saw a derogatory on my credit report from FFCC-XXXX ( First Federal Credit Control XXXX XXXX XXXX # XXXX, XXXX, OH XXXX ). I called them and wrote to them multiple times that I wasn't aware of what this debt was. I have always had health insurance with XXXX  XXXX. I provided them with a copy of my insurance card. They are not replying to me. 
I wrote to the three credit bureaus about the situation, they dispute the debt and FFCC keeps putting it back on. 
Could you please help me with this false, negative item on my credit report as it is causing me problems with my business loan. 
Thank you so much Sincerely XXXX XXXX