23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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

XX/XX/XXXXXXXX XXXX XXXX XXXX Did not authorize inquiry from this company XX/XX/XXXX XXXX XXXX XXXX Did not authorize inquiry from this company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX not authorize inquiry from this company XX/XX/XXXX XXXX XXXX XXXX  Did not authorize inquiry from this company XX/XX/XXXX XXXX XXXX  XXXX XXXX  Did not authorize inquiry from this company
Product: Debt collection

My original debt was with XXXX XXXX XXXX  This debt was in XXXX. It went delinquent around XXXX and I as sold to a collection agency in XXXX and then again with this new agency Midland funding LLC. In accordance with the FCRAs guidance, this debt should have fallen off of my credit report already. I asked Midland for a statement of original debt as well as disputing this debt collection agency through XXXX XXXX  XXXX and XXXX websites. Yet, this debt collector still remains on my credit report. I need to have them removed due to the fact that the debt they are attempting to collect is well past time to be removed. Thank you
Product: Credit card or prepaid card

Wells Fargo limits the number of credit card payments from a non Wells Fargo checking account to 3 or 4 payments per month. Whenever I need to pay again, the following messages is shown : You have reached the daily or monthly limit for the number of online payments to this account ( XXXX ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment. 

I am not sure why this is happening and why Wells Fargo is implementing such process. Other banks have no limits for how many payments you can do from a different checking account. 

Other options is to go to a Wells Fargo branch and pay directly over there. This is super inconvenient.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries Flagship Credit Acceptance XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I want to raise my concerns regarding the list of accounts provided below, as they appear to be in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have already informed EXPERIAN about these accounts, namely ( XXXX XXXX XXXX XXXX ( Account Number : XXXX ) and ( XXXX XXXX Account Number : XXXX ) and requested a reinvestigation. 
However, to my disappointment, EXPERIAN responded that everything was accurate and complete. I find this puzzling, given that there are discrepancies in the reported open date, date of last activity, and other relevant details. As per 15 USC 1681i ( 5 ), consumer reporting agencies are required to correct and modify any accounts that are inaccurately reported.

Furthermore, under 15 U.S.C. 1681 Section 602 A, I have the right to privacy as a consumer. Section 604 A Section 2 of the same Act stipulates that a consumer reporting agency can not furnish any account information without my written consent, as stated in 15 U.S.C. 1681c. ( a ) ( 5 ) Section.

Additionally, according to the Act, no consumer reporting agency is allowed to include certain items of information in a consumer report, such as any adverse information, except records of convictions of crimes that antedate the report by more than seven years ( 15 U.S.C. 1681s-2 ( A ) ( 1 ) ).

It has come to my attention that the reported information is inaccurate and not in compliance with Metro 2 credit reporting standards. As per the FCRA, 15 USC 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish inaccurate information knowingly or if they have reasonable cause to believe it is inaccurate.

I possess substantial evidence to support my claim. Therefore, I request a thorough reevaluation of these accounts in accordance with my rights under the FCRA. I believe that the information provided in the consumer report needs to be modified and corrected to reflect accurate and up-to-date information.
Product: Credit card or prepaid card

On or about  XXXX   XXXX  I was purchasing something through  Amazon.com. It referenced " linking '' the card to my Amazon Prime account. The ad said if I did this I would get a discount to my purchase or a credit to my account. I applied for and received a new credit card with a {$4500.00} limit. I did not understand that this meant that my annual renewal fee for my Amazon Prime account   would now be charged to a new credit card. In  XXXX   XXXX  apparently it charged my new  Amazon Prime card. Prior to this, my Amazon account automatically debited from another account. I also did not receive a notification from Amazon that my card was being automatically debited, so I had no reason to believe a charge was being applied. Believing that I had a {$0.00} balance on the new Amazon Prime card, I did not pay anything for several months.  The result was in  XXXX   XXXX  I was reported to several credit reporting agencies. I contacted  Chase and disputed the item through  XXXX . Chase ( which runs the Amazon Prime Chase card ) is refusing to fix the situation, claiming that as long as there was a charge on the account, and it was n't pa id, that this is the end of the discussion. I also should point out that I do not live at the address in which the bills were purportedly sent - I live in a new apartment. I suppose that is my fault for not updating my address, but I did not have actual knowledge of the bill. The result of all this is my credit has dropped by  XXXX  points while I am applying for a new job and it could affect my ability to make major purchases, such as a new apartment  in the County where  I am trying to get the new job. I am very upset and I do not know how to deal with this short of suing people under the Fair Credit Reporting Act. I have n't submitted any documents to anyone, but I suppose I could find things to support what I am saying. However, Amazon has most of the documents here. I have now paid the balance, but my credit is busted and it will take years to go back up  XXXX  points. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Debt collection

XXXX XXXX XXXX reported {XXXX} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XX/XX/XXXXby XXXX XXXX XXXX ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX XXXX  appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XX/XX/XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XX/XX/XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy, however, this is not the case because Equifax is purposely violating my consumer 's rights by reporting late payments that are negatively affecting my creditworthiness.

I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not provide this, please UPDATE the alleged late payment ( s ) on my credit report and UPDATE the payment history to paid as agreed never late ( PANNL ) per 15 USC1681b.

Your company is in clear violation of the law. Under 15 USC1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

UPDATE the above late payments from my consumer report to paid as agreed never late ( PANNL ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the referenced account, and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616 Civil liability for willful noncompliance ( 15 USC 1681n ).

I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PANNL ). 

Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

I need you to investigate these accounts : Account Name : XXXX XXXX XXXX XXXX | Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX | Account Number : XXXX Account Name : XXXX  | Account Number : XXXX Once you have finished your investigations send me an updated credit report to the address stated above. Thank you!
Product: Credit card or prepaid card

I applied for the XXXX XXXX Business car through American Express on XX/XX/XXXX. A XXXX XXXX sign up bonus was offered with this card. Per the Terms and Conditions : " Earn XXXX XXXX XXXX Points You can earn XXXX XXXX XXXX Bonus Points after you spend {$3000.00} ( the " Threshold Amount '' ) on eligible purchases on your Card in your first 3 months of Card Membership. Eligible purchases to meet the Threshold Amount for this offer include those made by both the Basic and Additional Card Members on the Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. '' I met the spend threshold amount on XX/XX/XXXX. On XX/XX/XXXX, I reached out to American Express to inquire about the status of the bonus. I was told it was not attached to the account but that an investigation would be performed. I inquired again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was informed that the bonus was applied to the account but the bonus that the representative read to me was incorrect. He said he would open an investigation and to contact Amex in 7-10 business days. On XX/XX/XXXX, I reached out again and was informed the previous agent was incorrect and to give them more time. On XX/XX/XXXX, I contacted Amex again. Based on the Terms and Conditions, the bonus should have posted with 6-8 weeks. At this point I was told that I did not qualify for the bonus, despite receiving no warning from American Express that I did not qualify during the sign up process ( a service they offer ) and differing responses from previous agents. At this point, due to American Express ' delay in informing me of this, I was also past the point where I could cancel the card and receive a refund for the annual fee. 

This is a clear case of bait and switch by the card issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC report with inquiries I did not authorize
Product: Debt collection

On XXXX I placed an online order with XXXX. Their website refused both XXXX and XXXX XXXX times.The site said the charge was refused.When I called XXXX the person said they got the wrong expiration date while I was looking at the order form which showed the correct dates.The only payment that was accepted by the website was Paypal. When I got the statement from Paypal I asked for a paper statement which I never got.The next month ( XXXX ) I asked Paypal to bill my Visa which they never did. Now Paypal wants late and interest fees when I have already sent them a check for the original amount.This month they want additional late fees even though I have written them to cancel my account. I tried to pay them twice and they refused both. They want my bank account numbers which I absolutely refuse to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i was contacted by a debt collector named XXXXXXXX XXXX XXXX, was insistently harassing me, yelling at me during calls when i simply told them by law they are not allowed to call me before XXXX XXXX since i work in TX now, im no longer in eastern time .They violated my right consumer right since they called me before the legal time which is XXXX XXXX, in XXXX time is central time which is one behind of eastern time.In addition to that, they tried to collect a debt that already written off in taxes of the original company .By law any charged off debts sold to a collection agency, its a violation and illegal to charge off a debt then trying to retrieve the payment from it. Any charged off debts become a taxable income to me, therefore .Since the collection agency violated my consumer right, i request to delete the negative report from my credit file.Also i request to provide documents bearing my signature to validate if that account belongs to me.
Product: Debt collection

I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or I will be seeking litigation. Pursuant to 15 USC 1692G As the original credit only i can validate this alleged debt and i do not validate this debt. Sending deceptive forms such as billing statements or contracts is not a form of validation. Please remove this alleged debt from my consumer reports or else i will sue and seek remedy for all the violations and emotional distress that you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX Date open XX/XX/XXXX  balance XXXX and loan by phone/ XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX balance XXXX  both this debt was settled with collections and XXXX Equifax and XXXX will not fix after multiple disputes and have sent settlement papers and keep coming back verify without stating how they verify that debt was validated
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

On XX/XX/2018 I received a credit report alert that a new collection was added to my XXXX, XXXX, and XXXX profiles by a company called XXXX XXXX XXXX. They were able to put a new collection on my account which I do not owe. I've read that this company is a scam that tries to collect money from people with these fraudulent collection accounts. If this was a legit collection I should have been notified either by mail or phone. I was never contacted about this account and I do not have any outstanding collections. This company has reported to XXXX after my first dispute that the account is in fact mine. I have opened another dispute with XXXX regarding this account. XXXX and XXXX have yet to come back with results.