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

Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Complaint Details : I am writing to file a formal complaint against XXXX XXXX XXXX regarding the unauthorized handling and reporting of my transaction history on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations, such reporting is illegal without my explicit consent. 
Supporting References : Right to Privacy and Accuracy : 15 U.S. Code 1681 - Congressional findings and statement of purpose : o ( a ) Accuracy and fairness of credit reporting : Congress emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and a respect for consumer privacy.

o ( b ) Reasonable procedures : Consumer reporting agencies must adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information.

Sharing Information and Consent : 15 U.S. Code 1681b - Permissible purposes of consumer reports : o Consumer reporting agencies may furnish a consumer report only with the written instructions of the consumer to whom it relates. 
o They need my written consent to add anything to my consumer report. Without this authorization, it is a violation of the FCRA.

Obligation to Inform : 15 U.S. Code 6802 ( b ) ( c ) : Financial institutions must inform consumers about their right to opt out of information sharing.

15 U.S. Code 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report negative information that is over seven years old, except for criminal convictions.

Opting Out : 12 CFR 1016.7 : Consumers have the right to opt out of having their information shared at any time.

Accuracy and Procedures : 15 U.S. Code 1681s-2 ( a ) ( 1 ) : No one should report inaccurate information about consumers to credit reporting agencies.

15 U.S. Code 1681e : Credit reporting agencies must maintain procedures to ensure compliance with the law and limit the furnishing of consumer reports to the permissible purposes. 

Given these provisions, XXXX XXXX XXXX and the consumer reporting agencies XXXX, Equifax, and XXXX do not have my consent to furnish or report any adverse transaction history. Their actions in reporting this information without my permission are against the law. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. Best
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report that are subject to 15 USC 16c-2, which I believe are damaging my creditworthiness.
Product: Credit card or prepaid card

I initiated a cash transfer to my XXXX XXXX XXXX XXXX ( XXXX ) Visa Account for {$8200.00} on XXXX XXXX from my Discover Credit Card. 
XXXX had not received the payment as XX/XX/2022, and the balance of {$8200.00} was showing on both cards. 
I called Discover and XXXX in a XXXX way call. XXXX asked Discover to provide them with a trace ID as this was an electronic payment from Discover to XXXX. Discover was unable to provide me or XXXX with any proof of payment. Discover failed to connect me with a supervisor who could resolve the problem. 
Discover refused to remove the disputed charge from my credit card so I am now paying interest on both Discover and XXXX for this charge. It also affects my credit score. 
The Discover case number is XXXX.
Product: Debt collection

I called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my wife and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter.
Product: Credit reporting or other personal consumer reports

XXXX has and still is falsely reporting to the CRA to conceal the illegal repossession multiple other guidelines, regulations, and laws that have been violated along the way. XXXX has now completely deleted an account, XXXX, and replaced it with another account, XXXXXXXX which appears to be similar but is incomplete and inaccurate in terms of reporting under the FCRA. This XXXX account has completely omitted the first XXXX months, XX/XX/XXXX through XX/XX/XXXX from the credit account. I has eliminated all of the payment and balance history which would easily prove that I was not in default at time of repossession. They have also deleted the Equifax investigation into the repossession which revealed that I was not in default. A investigation that took me almost 2 years to get a CRA to complete. Just gone. Under the original account after the investigation the account status for XX/XX/XXXX which went from " repo '' to " current '' and the XXXX status of XXXX that went from " charge-off '' to " ND '' has also been deleted. The XXXX on time payments that I had made, that make up 35 % of my credit score, are now deleted as well which is an additional injury to the wound. The first journal entry on the fraudulent XXXX account XXXX XX/XX/XXXX which is reported as a " charge-off '' with no late payments ever reported. But just this month, more then 2 years after these accounts closed, XXXX has added " past due '' to the status update. This status update has now triggered " missing payments '' to appear under harmful on my credit report, missing payments for which they have to months to align with. And with a second charge off now being reported and no payment or balance history, it gives the appearance of this loan was reinstated and then i defaulted a second time!! I am currently living in a motel due to the fact no one will rent to me with such a nightmare for a credit report. I still have not been able to obtain another vehicle other XXXX stole my vehicle through illegal repo and the {$8400.00} I had paid into that vehicle in the 14 months I had it. {$8400.00} was 17 % of my gross income. Each credit report is being reported with a different variation the account name and different balance historys. So anyone that pulls my credit it appears I have several accounts that are past-due and charged off, charged off and past due just within the last month or XXXX. Which explains why my Equifax score took a XXXX point drop with no changes reported, XXXX is just re-aging a fraudulent derogatory account and does not care how harmful it is or can be to someone else. 

XXXX needs to delete this ASAP and if I seen any incorrect mark on my credit report or I have a hard time removing false information, to my credit report which in the long run causes me harm I will be obtaining a XXXX XXXX  to insure XXXX can never touch my personal information and harm, harass, or cause me undue stress ever again!! This is will be in addition to the XXXX police reports and the identity theft report I already have.
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 US 1681. 

XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXXXXXX XXXX : Acct # XXXX, XXXXXXXX XXXX XXXXXXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX have 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 : States a consumer reporting agency can not furnish an 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 ) : States 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 the information is inaccurate.

After filing complaint, there was no follow up from the companies. However it was noted on my report that the consumer disputes the account ( s ).
Product: Debt collection

t has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

In XX/XX/2020, I purchased airline tickets with a third party company, XXXX. The purchase price was {$5500.00}, for XXXX adults, XXXX senior and XXXX child. Purchased on my Chase credit card. The tickets were for United Airlines leaving on XX/XX/2020 from XXXX NJ to XXXX XXXX. Because of the world wide pandemic, United Airlines has cancelled my flight. I called XXXX several times to see about a refund, but got no response, until I called Chase, and filed a dispute. An email was send to me from XXXX offering my a refund of {$3800.00}, taking out " fees and taxes '' of {$1600.00}. However United Airline were giving back a full refund, without penalty, fees or taxes. Chase re-billed my credit card for the full amount ( {$5500.00} ). When I called to inquire why. They claim because the dispute was not justified since I had authorized the charge. However, according to the Fair Credit Billing Act. I did not received any goods or services for the charged amount. The XXXX XXXX XXXX has 62 complaints on file from other customers of XXXX, stating the same thing has happened to them.. Charging taxes and fees. This is shameful business practice, taking advantage of consumers during these tumultuous times. And shameful on Chase for not recognizing a violation of the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect sinceXX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on XXXX and Equifax report. The account was paid XXXX but on all 3 credit reporting agencies dates are XXXX, XXXX and XXXX. I have disputed this account be removed twice to all 3 agencies. They state regions was the original creditor I never received student loan through regions my student loans were Federal loans opened in XXXX and XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXXas reporting on XXXX and Equifax. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXXand XXXX orig delinquency date should be XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Product: Debt collection

This account was a result of identity theft. I have never paid this company any money and it is reporting on my credit report as paid. I spoke with the original creditor and we were upon an agreement. We were in the process of purchasing property and decided to pay it with the original creditor not to Penn Credit as they are reporting. I do not live at the address where this took place.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I completed a XXXX  and an automatic payment of XXXX should have been posted to my account. 
They added the payment but did not credit my account. 
I only recieved payment for a XXXX  after which brought me up to XXXX. 
They have stolen my money and I have tried contacting them, there is no answer and no support on the phone.
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 and confidentiality under 15 U.S.C. Sec. 1681. 


I told the XXXX, Transunion, and XXXX to reinvestigate these accounts ( XXXX  XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX ) , ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX ).
Product: Credit reporting or other personal consumer reports

I tried to fix my credit report by sending letters to remove old information and wrong information to XXXX, XXXX and Experian. 
Nothing was done and my report remains the same.
Product: Checking or savings account

Opened an account with Citi Bank ( Citi Priority Account ) ... promised {$700.00} Bonus ... .we met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from the entire account history were all on time. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from the entire account history were all on time. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WITH XXXX XXXX AND XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Debt collection

Complaint Against : SELECT PORTFOLIO SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Reference Account : XXXX XXXX SPS Account # XXXX XXXX XXXX Account # XXXX Mortgage MIN # XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX COMPLAINT OVER MORTGAGE NOTE ALREADY PAID IN FULL This complaint is to request Select Portfolio Servicing Inc to open a investigation regarding mortgage note loan MIN # XXXX of XXXX XXXX Account # XXXX signed in 2006. 

There is a clear misunderstanding with this Mortgage Note that was already PAID in full. But the servicing Bank continue requesting payments and trying enforce a lien over a note that has already been paid by the borrower to the original lender. There is serious fatal errors with SPS accounting servicing regarding this account # XXXX. 

I request the servicing bank, Select Portfolio Servicing investigate this misunderstanding and solve this matter as soon as possible. The mortgage Note has been paid in full to the original lender XXXX XXXX. 

I will appreciate your cooperation in this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl   XXXX XXXX XXXX XXXX
Product: Debt collection

I advised that I have a freeze on my credit for over 6 years. My credit could not be ran. I asked for contract that I signed alone with my ID. I have no knowledge of debt. The debt collected made false payments of {$1.00} to keep debt open. Company Midland credit
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I called the debt collector to figure out what was the amount of debt in my account but did not match what I am currently seeing under XXXX XXXX. They argued that I will have to pay the amount they are showing regardless and I refused because under FDCPA Section 807 ( 2 ) they Misrepresenting the character amount, or legal status of the debt. I asked for my account # because I wanted to start a dispute using XXXX XXXX and they question me on why I needed it with an attitude. The debt collector then said " I make sure to put the new debt on your credit report so you have no other choice other than to pay it.