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

After submitting my previous complaint, I received correspondence from XXXX today That did not come with anything. I asked him for. I asked him for documentation containing my signature or something proving that the account is mine and this is the second time I received the response from them and they are not able to provide that information. I think it is pretty clear at this point that theyre in violation of The fair credit reporting act. To further prove my argument, the correspondence I received today is not even in my name therefore they are reporting an account to my credit report. Thats not even under my name. I will be uploading photos of this letter as that they are violation and I want this account removed from my credit report immediately. The account I am referring to is as follows : XXXX XXXX XXXX XXXX. 
Acc # XXXX
Product: Debt collection

I received a lawsuit in the mail- I immediately contacted the company - they stated debt was from XXXX credit card from 2012 - I contacted XXXX as I didnt have a credit card attached and did not owe them almost $ XXXX - I asked the lady from the debt collection company for more information and she said- I guess you need a lawyer, huh?
Product: Payday loan, title loan, or personal loan

I applied for a loan through Prosper after being pre approved via XXXX XXXX. I began the application, but decided to hold off. They sent me numerous emails asking me to finish the application. 

I received one email per day starting on XX/XX/XXXX. On XX/XX/XXXX I decided to take the offer. They required one piece of documentation after the application and funds were approved ; proof of income. 

However, their process of acquiring that proof appears to be either arbitrary, or nefarious. The only option given is to submit a pay stub. My employer, however, does not provide me with that. He just writes me a check. I am a XXXX XXXX. So, I submitted the most recent check I had. 

I received a phone call today, XX/XX/XXXX, stating that they needed a pay stub, not a check. I asked what information they would need since my employer does not provide a pay stub. I found it irrelevant how the information was given, provided that they had the information. However, the woman made it clear she was not going to give anything anyway and that I had to submit a pay stub and they would not accept anything else. 

So, I submitted a pay stub with the following information : Employer name, address, tax ID #, and phone number ; my social security number, address, phone number ; the check number and paid date ; federal, state, local, social security and XXXX withholdings ; gross and net pay. 

She denied the document citing " the information was inappropriate, '' and not clarifying beyond that. I called back and talked to another individual. When I pressed on why they are so coy about what information they require of me to prove I have an income she said, " if we tell you what information we need, then you'll just give us that, '' as if that is nefarious and an individual has to guess what they're looking for or lose out on the loan. 

If they need information to prove my income, then they need to let me know what that information is beyond a " pay stub, '' since I provided that and they deemed it " inappropriate. '' The agent appears to want the information in some arbitrary format that nobody at Prosper is willing to disclose. The institution needs to simply review and verify what I have given them to see that I do, in fact, have an income. Their unwillingness to do so, I believe, is discriminatory and intentionally deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. The following items need to be removed and blocked as they are fraudulent.

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

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was the target of a security breach and millions of Americans and their personal information was compromised on XXXX/XXXX/2017. My information was a part of this hack as well, which may or may not include information such as my name, address, social security number, etc.
Equifax, while victim of a hack, did not take adequate measures to protect the information of millions. It is a breach of trust that such an incident could occur. Users have noticed that Equifax used poor methods of protecting said information, or showed easy ways to get around their encryption process.
Product: Credit reporting or other personal consumer reports

My private information was exposed to those that would use it for nefarious purposes. I did not provide consent to the credit reporting agencies and yet, my personal information can be requested and released to those that pay for it. With the recent data breaches, my information is now in the hands of hackers that, due to the lax security standards in place at the three major reporting agencies, can now use it for whatever they choose, including selling to the highest bidders. My report is now riddled with various items that create a barrier to my living situation.

According to 15 U.S.C. 1681 : - Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Since the privacy of my information was not protected and the responsibility of the agencies Transunion, XXXX, XXXX was not properly upheld, this must be rectified. Their failure to properly safeguard my information has caused significant harm to my livelihood.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear Equifax, I am writing urgently to address critical discrepancies discovered in my credit report that significantly contradict the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). Following a thorough review, it has become apparent that multiple errors persist within my credit profile, indicating a significant failure in FCRA compliance within your agency. 

To elaborate : The Fair Credit Reporting Act is a pivotal federal statute governing the collection and reporting of consumer credit information. It emphasizes the need for accurate acquisition, retention, and disclosure of consumer credit data to ensure transparent information sharing with consumers. 

Identified instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information based on name similarities or social security numbers. 
Agencies neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Receive notification if my file 's information has been used against me in credit applications or other transactions. 
Dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items undoubtedly breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, as evident in my recent denial for extended credit due to errors originating from your agency. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. XXXX Account XXXX : XXXX I was never late on this account. Please remove those late payments. 

4. The following personal information is incorrect Account Number : Date of Birth : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



I anticipate swift action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Product: Credit reporting

There are things on my credit that should not be on there. I had my wallet stolen and my information was all in there and now i have things that are under my name that was in my wallet that needs to be disputed with the creditors and taken care of immediately because of it damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a complaint on XX/XX/XXXX with Wells Fargo Credit card division. I received a response from Wells Fargo. The response was correct to a certain point, but failed to address my bankruptcy chapter XXXX which was discharged on XX/XX/XXXX which would include the amount of {$2400.00} which still appears on my credit report. I tried to contact XXXX XXXX at Wells Fargo at XXXX, extension XXXX, but never received a response. Please delete the {$2400.00} debt on my XXXX credit report since the debt was covered under chapter  XXXX bankruptcy. My bankruptcy case number is XXXX. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  with account # XXXX opened on XX/XX/year> and a balance of {$730.00}. 
I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date XX/XX/XXXX, and showing opened on XX/XX/XXXX on Transunion reporting as of XX/XX/XXXX. Located previous report number # XXXX Transunion report number on XX/XX/XXXX. Original creator XXXX XXXX, and schedule for deletion from report XX/XX/XXXX. Transunion is reporting inaccurate information from XXXX XXXX on XX/XX/XXXX, which is fraudulent information. This erroneous information falsely manipulates my creditworthiness and has destroyed my ability to obtain credit. Transunion failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding the deletion of the following Account XXXX XXXX and number XXXX.
Product: Mortgage

I got a loan as a equity loan from wellsfargo bank for {$71000.00} dollars.they held my note.the warranty deed, and the promissory note suppose to stay together.wellsfargo bank never filed the promissory note with the county successor office.wellsfargo bank held that note.and took it to the federal reserve got paid ten times the amount .off my note, from there there sols my note to other lenders.now they sold the note to XXXX XXXX and XXXX, and XXXX XXXX they have used my signature on other business dealings with out my consent.they all are in violation of fraud. And tax evasion, .this is a violation of the consumer as XXXX XXXX XXXX XXXX rights.and they never turned anything over of my mortgage documents over to the CFPB.this is fraud, this is a violation of 15 usc 1692f.and 15 usc 1682.and 15 usc 1681, and 15 usc 1681 A.and usc. 1692 .and I will be sending them a qualified written request. And I will be sending all lenders a truth of lender Disclosure letter. And they failed to file my note with XXXXas relistate investment mortgage investment conduit.and I will be sending them a cease and desist letter as well.for each violation it's {$1000.00} and I will be writing up another letter revoking my signature immediately.
Product: Credit reporting or other personal consumer reports

Ive sent this company a cease and desist yet, this company has refused to adhere to the federal guidelines. More so, my countless requests have been ignored to resolve this matter. This company has also been found to impose as a collection agency where in fact this company is not legally licensed nor insured to collect in the state of Florida. Please have this company cease all collection activities as this is my last attempt to resolve this outside of court. 

* XXXX has blatantly disregarded my numerous certified dispute letters in regards to this XXXX account which is LVNV FUNDING LLC which is present on my credit profile. I have sent multiple method of validation letters requesting how they verified this debt. Also advising of the irrefutable factual inaccuracies pulled directly from their website. Lastly asking for a contract bearing my signature that I owe LVNV. Yet, to no avail the disputes was closed multiple time with no method of validation toward the validity of the debt. XXXX instead of being in compliance with the FCRA chose to update the inaccuracy instead of deleting said account. This is a clear violation of my civil rights and FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan from Green Sky loans for {$20000.00} for XXXX XXXX XXXX XXXX " XXXX  '' to Replace my roof in XX/XX/2015 however XXXX did not have me sign anything from green sky to authorize release of funds to XXXX  to date the roof is not repaired and continues to leak.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX  XXXX {$9000.00} XXXX XXXX  XXXX {$4800.00} XXXX XXXX {$87.00} XXXX XXXX {$200.00}
Product: Debt collection

I spoke with the representative named XXXX on XXXX XXXX, 2015. He cursed and was verbally abusive towards me, and my husband. Also, he offered to have me make a payment up front of {$150.00}, and I said no I could not do it that night, and when my husband called today XXXX XXXX, 2015 to make the partial payment of our debt, he called me a liar to my husband, and hung up on him. That is not professional and verbally abusive.
Product: Student loan

I was charged interest during the student loan pause on XX/XX/2022. Which was supposed to be included on my bill, and I had requested to have my loans consolidated and move to another company in XXXX. But this company continued to charge interest on my federal loans. I was then told the bill was overdue and that I had to pay it.
Product: Debt collection

To Whom It May Concern : This letter is a formal dispute regarding the collection accounts reported on my credit file from Midland Credit Management. This account, as reflected in my credit report, are inaccurate and in violation of federal law.

I am requesting immediate investigation and verification of this account pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under : 15 U.S.C. 1692c ( c ) This law prohibits debt collectors from continuing to communicate with a consumer after a cease communication request has been made. I have previously notified the debt collectors in writing to cease communication regarding these debts.

15 U.S.C. 1692g Under this section, a debt collector must provide a validation notice within five days of the initial communication, detailing the debt amount, creditor information, and my rights as a consumer. No such validation notice has been provided to me, rendering their reporting invalid and unverifiable.
Product: Prepaid card

Cannot use this American Express prepaid card anywhere.  Just gets declined.
Product: Credit card or prepaid card

We booked a room at a hotel in XXXX for a week, using our American Express card. Upon arrival to the room, the heater was broken and it was 11 degrees outside. The next day the hotel maid stole a pair of diamond earrings from the bathroom counter of our room. We called police and vacated the room immediately. The hotel manager charged us for the full week although we stayed two days. 
We filed a dispute with American Express under the terms of our card holder agreement. This agreement has numerous rules violated by the hotel. It also clearly states the card can not be used for illegally activity. The hotel was given 20 days to respond which they did not comply with. The consumer protection laws of XXXX make it illegal to rent rooms without heat. 
Initially, American Express sided with us and gave full credit for the charge of {$1800.00} from XXXX They later reversed this decision and recharged our account. We believe American Express compared the amount of annual business we do, vs the annual business the hotel does and violated agreement terms in favor of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$4600.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1700.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1000.00}, XXXXXXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$740.00}, XXXX XXXX XXXX  Account # XXXXXXXX date opened XX/XX/XXXX bal. {$720.00}, XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$68.00}, XXXX XXXX XXXX XXXX, Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  Account XXXX XXXX* date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have been a consumer of citi bank credit card and XXXX  XXXX XXXX for many years. I am a hard working law abiding citizen who believes in a persons second amendment rights. I have never been in trouble with the law and my tax dollars bailed out these 2 companies when their incompetence got them into serious trouble. Now these 2 companies want to restrict the second amendment rights of Americans who bailed them out? I dont think major corporations should be able to make their own laws especially in contradiction to the us constitution. If they are allowed to do this whats next? They dont have to provide services based on the color of your skin? Or maybe because they disagree with your political view? Not being able to get a home loan, not because you have bad credit but because the bank doesnt like you for ... ... fill in the blank. I fortunately have the ability to drop my longstanding relationships with these companies but some may not have that option. This is wrong, this is going down a slippery slope and it should not be allowed to stand.