23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found late payments on the dates below : XX/XX/XXXX-XX/XX/2018 I showed payments made in those months and requested statements proving that. I have not gotten any responses from Honda.
Product: Credit reporting, credit repair services, or other personal consumer reports

LastXX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

One main from what I understand added something on to the agreement
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, Account # XXXX, ( Date XX/XX/XXXX ), XXXXXXXX XXXX XXXX  Account # XXXX ( Date XX/XX/XXXX ) and XXXX XXXX XXXX Account # XXXX ( Date XX/XX/XXXX ) which was disputed by me and 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: Debt collection

On XXXX, I received a call from unknown number stating that I owed XXXX from 15 years ago from a company called XXXX  XXXX. The Company that called is name. Profit Service Group. 
Iasked them why are they calling me 15 years later about a bill that old. I was told that bill was given to them from XXXX  XXXX on XXXX. 
I asked for them to send me company of bill with date of service. On XXXX I received a letter from Profit Service Group stating that I owed XXXX dollars to XXXX  XXXX. It did not have date of service. The only info on letter was than must paid with in 30 days or it will be put on credit report, invoice number and account number. 
I reach back out to Profit Service Group and spoke with XXXX he refuse to let me speak to Manager, to Discuss this letter request for payment. I then call XXXX  XXXX  to get info through them that stated that they donot have any info with that account number or Invoice number. XXXX recommenated that I call the Profit Service Group back agan, and once again i had no luck with getting info. 

Account number XXXX Invoice number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

False repossession and delinquent accounts plus a whole bunch of credit inquiries on my XXXX, transunion and XXXX which are not mine. I've been wasting alot of my valuable time just on the phone and disputing
Product: Credit reporting, credit repair services, or other personal consumer reports

New Dispute, EQUIFAX will not let me access my report according to law with ease, since I've put in complaints as well as certified mail EQUIFAX will no longer let me in to view my profile. I am XXXX  Very Bad, EQUIFAX is hurting me causing damages where as i am moving this month and can not let them check my credit due to EQUIFAX dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of EQUIFAX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to EQUIFAX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law Keep all Accounts Remove negative Information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I accurately and completely filed an identity theft report with the FTC, report number : XXXX. 

I immediately ( via certified mail, return receipt ) notified the credit bureau of the following account not belonging to me, and the federal law requiring that it be immediately blocked due to identity theft : XXXX XXXX. Account Number : XXXX In accordance with 605B of the FCRA , the credit bureau should have blocked this item from appearing on my credit report within four days. They have failed to do so.
Product: Credit reporting or other personal consumer reports

Two separate hard inquiries were on my credit report that I do not recognize or apply for any new loans, cards, etc. 

XXXXXXXX XXXX XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX , Transunion,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
<P/>
 XXXX  1.   XXXX   XXXX     XXXX   accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had an accident with XXXX XXXX My credit card payment to XXXX XXXX XXXX for my XXXX XXXX came due during this time ( XX/XX/XXXX ) I have NEVER BEEN LATE OR MISSED a payment. During this same month I received 8 calls EVERY SINGLE DAY regarding my payment. The same month due!! That absolutely is harassment! This should not be allowed! ENOUGH. I called and said I would make pmt and expressed dissatisfaction with this practice and that bank. I was told Many comments have been lodged And they Flooded me with emails!!
Product: Credit card

XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX XXXX  XXXX First National Bank of Omaha ( FNBO ) that was approved 7 hours later and on the official XXXX XXXX website showed a bill offer that I would get a {$100.00} reward so my trip cost would be {$0.00} if I was approved and it would only take a few minutes to see if approved. This email does not document my card was an annual PREFERRED {$98.00} membership fee. XXXX uses the same type of promotion but XXXX was legitimate, XXXX did not illegally sign me up using false marketing schemes and XXXX did not illegally enroll me in a recurring {$98.00} membership fee like FNBO. 
XXXX received credit card with preferred annual fee membership. I checked balance to see if they charged me, but she & XXXX said they could not issue me the free membership card. So basically a {$90.00} trip ended up costing me {$280.00} since I never received any rewards and she said I'll be charged {$99.00} at the end of the month. Plus after 10 years I'll spend over {$900.00}. If I close tge card my credit will be destroyed!! Also FNBO XXXX with customers credit limits causing expensive fees and further damaging credit score. 

The official XXXX XXXX XXXX FNBO the predatory XXXX run an organized online cyber gig that gains access to customers credit cards using false pricing and in less than 3 minutes hijacked my money to a card that has add on fees and FNBO is an organization worth {$1.00} XXXX full of CEO grown-ups working for corporate greed bleeding average Americans and destroying their credit scores. And it IS ILLEGAL FOR COMPANIES TO DECEIVE CUSTOMERS INTO THINKING A DISCOUNT EXISTS WHERE IT ACTUALLY DOESN'T. 
I do not want FNBO credit card. FNBO has cases stemming back from XXXX charged for using deceptive business practice. I hope for a fraud solution with the XXXX credit companies so I don't get penalized as a company XXXX  makes {$1.00} XXXX dollars should be held accountable for my tiny request compared to their billions.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX the living man has never agreed, authorized or signed, any contracts from any of these third party companies ( XXXX, Equifax, XXXX ) credit bureaus to use my personal information or to share it with others. This violates My human rights, per 15 USC 1602g I am the creditor not this company or anyone else for this matter. This is securities fraud! which i will report to the XXXX XXXX XXXX being I never authorize any of these third party companies to the use of my personal information or my social security. These companies are not even located in the united states or florida they do not have a licence to do this where I reside. I am tired of this same running around in loops and not getting anywhere with all XXXX bureaus which are third party companies. The CFPB is supposed to help us consumers in this type of fraud but they too are not helping with this issue. This is known as Identity theft. sharing personal information with any consent which I never allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX, XXXX Original creditor : XXXX XXXX I tried disputing this many times with XXXX, TransUnion and XXXX. The only XXXX XXXX I have ever had was many years prior to the reported date of 2020 and confirmed with XXXX  that I have no outstanding balance with them. When I contact XXXX  they don't recognize account number or balance being reported by XXXX XXXX XXXX. When I contact XXXX XXXX XXXX I can't get a hold of anyone that can bring me up in their systems. I have been disputing this for a couple of years and it is still appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address a fraudulent account listed as " XXXX XXXX XXXX '' on my credit report. Despite submitting multiple disputes to the credit reporting agencies and filing reports with the Federal Trade Commission ( FTC ), this account remains on my report without resolution. I am requesting immediate removal of this account under the protections granted to me by the Fair Credit Reporting Act ( FCRA ). 

Under Section 609 ( 15 U.S.C. 1681g ) of the FCRA, I have the right to request and obtain all information related to this account, including verification of the debt and the identity of the furnisher. Despite my repeated requests, no documentation or evidence has been provided to prove this account is valid or connected to me.

Section 611 ( 15 U.S.C. 1681i ) obligates credit reporting agencies to investigate disputes within 30 days. However, even after several dispute submissions, no corrective action has been taken, and the account remains unverified. If the account can not be substantiated, it must be removed from my credit report as required by law.

Additionally, Section 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishers of information from reporting inaccurate or unverified data. I request that the reporting agency notify XXXX XXXX XXXX of this dispute and demand documentation validating their claim. If they fail to provide sufficient proof, this account must be deleted. 

Given the possibility of identity theft, I have also exercised my rights under the FCRA ( 15 U.S.C. 1681c-2 ). I filed an FTC Identity Theft Report and have repeatedly provided the necessary information to support my claim. Despite these efforts, no resolution has been achieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get an auto loan removed/deleted off my credit report for months. I've had medical issues, got behind on XXXX payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want it removed.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Redressal Required : FCRA and Privacy Violations by CRAs and Financial Entities Dear Consumer Financial Protection Bureau, I am writing to seek immediate intervention and redressal for serious breaches of the Fair Credit Reporting Act ( FCRA ) and privacy laws by XXXX, TransUnion, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entities have egregiously violated my consumer rights and federal laws, specifically under 15 USC 1681a 2 ( A ) i ) and 15 U.S. Code 6802.

FCRA Violations by Credit Reporting Agencies : XXXX, TransUnion, and XXXX have failed in their duty to ensure accurate and legal reporting of consumer credit information. This is evident in their handling of unauthorized transactions reported by XXXXXXXX XXXX ( Account Number : XXXX ) and the reporting of a debt sold by XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. These actions directly contravene the stipulations of the FCRA, which explicitly excludes reports containing information solely about transactions or experiences between the consumer and the person making the report. 

Illegal Disclosure of Personal Information : Furthermore, the actions of XXXXXXXX XXXX and XXXX XXXX in disclosing my personal and financial information without my consent or proper notice is a clear violation of 15 U.S. Code 6802. This breach of privacy laws is compounded by the CRAs ' failure to prevent such disclosures from affecting my consumer reports. 

Demand for Immediate Corrective Action : In light of these violations, I, XXXX XXXX, demand that XXXX, TransUnion, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX take immediate steps to block and delete all inaccurate and unauthorized information from my consumer reports. This action is imperative to comply with the FCRA and protect my legal rights. 

Request for Full Investigation and Compliance : I urge the CFPB to conduct a thorough investigation into these matters. It is essential that these entities not only rectify the current violations but also implement measures to prevent future breaches of consumer protection laws. 

Expectation of Prompt and Lawful Response : As a consumer, I expect a swift and lawful response from all entities involved. The adherence to federal statutes and the protection of consumer rights should be the utmost priority for these organizations. 

Thank you for your attention to this urgent matter. I trust in the Consumer Financial Protection Bureau 's commitment to enforcing consumer rights and anticipate a prompt and effective resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I have communicated with XXXX XXXX over the years, and have provided them with proof of the Chapter XXXX discharge paperwork on several occasions. The debt owed to XXXX XXXX was discharged in XX/XX/XXXX in a Chapter XXXX bankruptcy under XXXX XXXX. It was timeshare that was paid off but they continue charging fees. I have not heard from them in over 10 years. Today, I received a harassing call from Sunrise Credit Services, # XXXX, on behalf of monies owed to XXXX XXXX. I informed the agent it was discharged in XX/XX/XXXX in a Chapter XXXX. She demanded the information ; however, I had to call back since I was driving. I called Sunrise Credit Services back the same day and XXXX XXXX answered. I explained it was discharged in a Chapter XXXX in XX/XX/XXXX but before I could provide the case number she states : It doesn't matter why we are calling, you paid on this back in XX/XX/XXXX. Before I could provide the Bankruptcy Case number : XXXX filed in XXXX, GA she yells : " Call back with a better attitude '' then hangs the phone up in my face. Upon calling back I spoke to XXXX XXXX again. She stated that since I filed in XX/XX/XXXX and made a payment in XX/XX/XXXX they did not need the bankruptcy information because the monies were still owed. I explained that I was not aware of a payment in XX/XX/XXXX and asked how much. She would not provide me with the information, but stated that the {$6000.00} will not go away. She hung up again. I am being harassed by this company, and specifically by employee XXXX XXXX who refused to take down any information with regards to the Chapter XXXX filing and discharge in XX/XX/XXXX.
Product: Checking or savings account

I dont have the dates but will look for them but Wells Fargo XXXX me almost XXXX for my checking account
Product: Debt collection

This third party company, on the behalf of the original creditor, Is trying to collect that that is not owed. The debt has been written off as a profit loss and there is no longer a payment owed. The third-party company or the original predator did not send me a 1099c, so that I could do the same. They are still reporting on my credit report as negative and that I owe the balance, even though they took a tax break! I am requesting a copy of my 1099C, that I did not receive. Therefore making my credit report negative with inaccuracies.

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming I owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report from XXXX and discovered that credit reporting agencies are reporting erroneous information in my credit report. The Credit Reporting Agencies have not responded my dispute as of today 's date. The Credit Bureau is required by the Fair Credit Reporting Act to complete their investigation within 30 days. Please review the payment history, date opened, most recent activity, and status of XXXX XXXX Account XXXX as I believe it was reported incorrectly, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe it was reporting in error : XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

I obtained a credit card through First Progress back in XX/XX/2019, in XX/XX/2019, I'd set it up through my debit card at XXXX XXXX to have payments withdrawn for My First Progress card I haven't been receiving any bills or mail, it's impossible online to navigate the payment websites, and it is just as impossible to get ahold of a customer service representative to pay my bill I'm not trying to avoid my bill, I'm at a point in my life where I paid more than enough to pay my bills, but I need my creditors to start taking my money and to stop making it a hurdle
Product: Money transfer, virtual currency, or money service

1 ) I created a Remitly account using my personal information. 
2 ) Added a my brother as a recipient. 
3 ) Added my own debit card as a payment method. 

After all of the above, I proceeded to complete the transaction and got a confirmation email they are reviewing the transfer. 

After few minutes later my transfer got cancelled, and my Remitly account got locked without any attempt to contact me or requesting information/documentation. I then proceeded to call Remitly to find out more information as to why my transfer was cancelled but they could not provide me with an answer, and was advised by a the phone representative to use their online chat to submit a request to unlock the account so I did. 

But after they reviewed the account they sent me an email saying : " we will not be able to reactivate your profile because it violates our User Agreement. This decision is final '' Like I mentioned previously, I have reviewed my account and sender details as well as payment method used, and everything was in accordance to their term and conditions. 

I had created an account using my personal information to send money to my brother in XXXX, and using my own payment method under my name, therefore the reason I am completely lost as to why I wasn't able to complete the transfer without an explanation which seems completely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX XXXX, XXXX I contacted Experian online to place a credit freeze on my account. I did the same with all the other credit monitoring companies. On my next credit card statement I saw a recurring charge of {$21.00} to Experian had been charged. I was especially upset to see that the charge was recurring. I do not know what this charge is for and certainly did not consent to whatever they think they are doing. Today, XXXX XXXX, XXXX, I finally reached an Experian representative by telephone. She told me that she had closed the account. I asked for a confirmation, and she said the one had been sent by email. I have not received any email from Experian. I considered these actions to be fraud.