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

In America through its constitution, laws and understanding of knowledge. We all have an equal chance to better ourselves through action. With that said, in accordance with the Fair Credit Reporting act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights, it isn't fair to publicize someone's information unwillingly as they are learning and growing in a society that continues to bumbard us with countless hidden fees and many of contracts with unconscious terms in fine print. 
XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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, 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 reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate 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 are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX XXXX XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$4700.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} Experian NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX Balance Owed : {$150000.00} XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$830.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$4700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$220.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX Employer : XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX Balance Owed XXXX {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}
Product: Debt collection

I called XXXX STERLING XXXX XXXX to verify why is this on my credit report i never lived in ohio and its affecting my credit they wanted my ceedit card information and i refused they started cussing me out on the phone I realized this is a scam and they do not want to remove this off my credit
Product: Mortgage

Loan # XXXX On XXXX XXXX we were notified by Quicken Loans that they would not be able to complete our loan unless more debt was paid off. We have emails stating what debt needed to be paid off and we did so. We also have emails stating where Quicken Loans stated they made a mistake on their end with calculating income. Unfortunately they did not figure out they made a mistake until just days before we were supposed to close on the home on XXXX XXXX. We did everything that Quicken Loans asked including paying off debt they stated needed to be paid and the mistakes kept happening on their end that greatly affected everyone involved ( realtors, buyers, sellers, title company, also leaving us in a situation with just days to try and find a new place to move my family into. We have via email where the loan was to be withdrawn and Quicken Loans is now stating they made a mistake with the verbiage and the loan was actually denied. I have that via email as well. We transferred the loan was to another lender but Quicken Loans will not change the status back to Withdrawn from denied so the lender can process our loan. Without the change the lender hands are tied and can't process the loan and again Quicken Loans is continuing to pour salt on the wound. All we are asking is for Quicken Loans to change the status back to withdrawn which it was supposed to be so my family can move on from this nightmare they have created. All we are asking is for Quicken Loans to change the status back to withdrawn so my new lender can process the loan on their end.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting inaccuracies on my consumer report a charge off account number XXXX for the month of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should only be reported with 1 accurate date this violates my Fcra rights usc 1681b ( e )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( Block , Inc ) due to inadequate customer service and unfair practices which violates the Customer Financial Protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leader, my account vulnerable in unprotected.

Furthermore, the dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have calls significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

My XXXX XXXX XXXX was due XX/XX/22. I cant pay online because Comenitys site has been down for over a week now on Friday XX/XX/22 I was able to set up a payment plan in the automated system but, they still reported my payment as 30 days past due to credit reporting agencies which made my credit score drop. Im unable to reach them by phone now so they can correct this. My XXXX XXXX card payment is due today as well and they are managed by Comenity as well so that site is down too and I cant reach anyone by phone so I fear I will have the same outcome
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudelent accounts on muy report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club Corporation is showing a charge off on my credit reports. This debt was included in Bankruptcy case XXXX in the XXXX XXXX district of Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX.Account number XXXX, XXXX XXXX Account number XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I took out a loan and found out that the lender was not licensed to loan in the state of XXXX. The multiple payments did not make a dent in the loan. I started looking into this and found the loan was not legal. Originally took out a loan for {$800.00}. Paid back {$1600.00} which was well over the principal. I revoked the authorization back on XX/XX/XXXX and asked for a refund of the overpayment above the principal. Company did not respond to that. Now today XX/XX/XXXX I received a collection notice from Here is a copy of communication. 

I received another notice today from your company attempting to collect on this loan which was already paid in full. Loan # XXXX Your company is not licensed to loan in the state of XXXX and I overpaid on what was owed. I am disputing the validity of this collection and will file a complaint with the regulatory agency in my state. Please process a refund for amounts collected above the principal. The loan was not collectible or enforceable. 

XXXX XXXX Sent from XXXX XXXXXXXX Mail for XXXX On Monday, XX/XX/XXXX, XXXX XXXX XXXX wrote : Dear XXXX XXXX, We have received your request to revoke your electronic payment authorization and have cancelled all further electronic debits to your account. 

Please be advised that revoking your electronic payment authorization does not eliminate your obligation to repay your loan. If you fail to remit payment as required by the terms of your loan agreement, it may result in your account being considered in default and Uprova may exercise all rights available to it under the Consumer Loan and Arbitration Agreement. 

If you have additional questions, feel free to contact us at XXXX. 

Sincerely, Customer Service XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX CONFIDENTIALITY NOTICE : This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review, dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others. 


From : XXXX Sent : Sat XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX Subject : Revoke XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am revoking my ACH on loan # XXXX. I have paid in {$1600.00} on a {$800.00} loan. I found out that you are not licensed in the state of XXXX and that the loan and the interest rates are not legal in my state. I would like a refund of funds paid over principal and the loans closed as I consider this loan paid off. Im not able to access the website as its says under maintenance for over two weeks. 

Please confirm that all ACH withdrawals have been stopped. Also confirm the loan is closed. I will be reporting this to the XXXX  XXXX XXXX and Consumer Financial Protection Bureau. 

Sincerely XXXX XXXX
Product: Debt collection

I was a customer of XXXX  in XX/XX/XXXX, which I finished services and returned the modem to XXXX in XXXX, Kansas. XXXX claims that I did not return the modem, charged me XXXX, then sent my account to collections with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. When I had called to dispute this issue, they stated that they needed a receipt, which XXXX was unwilling to give me since they return the item in batches. Thus, I want to dispute this claim as I have turned in the modem ; it has also damaged my credit.
Product: Credit card or prepaid card

I'm a XXXX Veteran i was contacted by Capital One " XXXX  '' credit card, I was told i was already Pre-approved for a card, I called the numbers on the offer and they said yes after i gave them to the codes on there offer to me. 

I three times was diverted to other numbers, I was told they are backed up so could i just do it online, not to be concerned as it is a Pre-Approved and no further credit checks need to be done as i have a pre-approved card waiting for me. 

I then learned they ran a hard check on my credit bureaus and that as you know causing a reduction each time someone runs your credit. As a XXXX Veteran, elderly, i was lied too, misled, and am being discriminated against. 

After I gave them information they said they needed to send my " New '' Card too they would send me a message, within a few minutes i get a message that they can not now approve my Pre-Approved card??? Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( CHRYSLER CAPITAL- XXXX ). Because of the following information by your company and XXXX, XXXX, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing
Product: Debt collection

XXXX XXXX XXXX is a debt collector. They have called me repeatedly for several years about a credit card that was charged off in XXXX and purchased buy PR in XXXX. I have never made a payment or promise to pay to this company. 
I recently reviewed my credit report ( XXXX  ) and found that XXXX XXXX is doing inquiries on my credit report as follows : XXXX : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX ; You will notice that this debt is 15 years old. I have not changed my email or phone number for over 20 years. I have had the same address for the last 11 years. 
I am now XXXX years old which would most likely preclude full-time employment.

Numerous contacts with this company have not resolved this issue. I believe that since they can not list the collection on my report, they simply place inquiries to damage my credit. Notice that some of these inquiries are done as little as four days apart. 
Thank you for your help.
Product: Debt collection

1 ) On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
refused to code it for the insurance company as a XXXX XXXX XXXX XXXX  I made multiple attempts to have him change the coding, but instead he sent me to the credit agency for collection. I made it clear to both XXXX XXXX and ICS systems credit agency that the billed amount was in dispute because of the improper coding. Nevertheless ICS kept hounding for the money. I send them a check for an amount that I thought was appropriate with a restrictive endorsement stating that endorsement constitutes a satisfaction of the disputed amount. I consulted a lawyer in XXXX who indicated that the restrictive endorsement should satisfy the debt.

2 ) In summary ICS has harassed me and damaged my credit over an amount that is in dispute. I sent a check with a restrictive endorsement that they cashed and they continue to pursue for the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the company, Equifax, to resolve the errors on my account, and if they were proven accurate to verify the information. The company, Equifax, did not do anything to resolve those errors and were unable to prove the accuracy of the items I am disputing on my credit report.
Product: Debt collection

I wrote a letter to XXXX over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have been sending written letters with regards to my request of removing the inquiries in question and my last request was sent XX/XX/XXXX. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Mortgage

Harassing phone calls from well Fargo mortgage on a dealer system after telling them numerous times that i do not want my cell phone on the dialer .... It is XX/XX/XXXX which my payment is due on the first not even past my due date and I have gotten 12 calls this month already Not to mention the payment that was proceeded thru my checking with out authorization
Product: Debt collection

Goodafternoon company SCHEER , GREEN & BURKE L.P.A is trying to collect a debt that is not mine. Never seen this company nor used this company for anything. I need help because I had identity theft and this company have not provided a debt validation letter. I need them not to use my data neither the wrong information because my name is not what they saying. So please I need them to stop harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOOLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 section 602 A. States I have the right of 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 furish 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

I reached out to Experian and XXXX credit agencies regarding this XXXX account. The agencies listed above are reporting inaccurate information as XXXX has deleted the item from my credit report ( please see attachment of letter I received ). Experian and XXXX were sent a copy of the letter from XXXX asking to remove the account as they are reporting inaccurate information across the board from all 3 different credit agencies. The account has been deleted by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 amex  XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018
Product: Debt collection

I dispute this item ; Tek Collect on my credit reporting and the credit bureaus failed to verify this debt. I sent in my request months ago and never received a response. Ive been disputing this item that comes back as verified which is an error. I made the initial contact and was never contacted about this debt. When I contact XXXX  the agent tells me that this has been verified and when I asked about a written verification the agent claimed that I have received it which I have not once. My claim was received on XX/XX/XXXX confirmed by an agent via telephone and I have yet to get a written verification from this company
Product: Payday loan, title loan, or personal loan

Monthly Payments are being paid but is place in my report as late payments.