23daVinci/CFPB_Complaints huggingface dataset:
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Checking or savings account

My account was hacked on XX/XX/XXXX while i was asleep my login information was changed and my phone number was changed without my permission I wake up and call chime immediately when I was not able to login to my account, I had to send in a picture of myself with my dl and note with my email and phone number XXXX and my dl to change my account back to me, when I logged in my card was changed and a temp cared given without my knowledge, there were XXXX transactions that i did not authorize with the temp card and i told chime that and was told to wait till the transaction was not pending anymore and we will dispute them, so far all my disputes have been declined i sent over XXXX documents to chime and they refuse to give my money back after speaking with supervisors and they make notes stating they see my account has been in the hacked alerts and i did not authorize the transactions my dispute still gets denied I asked for reasoning and told they don't see why the investigation team will deny my dispute then they reopen my case only to deny it again. I've asked for documents and they still have not sent me anything. and keep denying the claim
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I was a victim of identity theft. I have been able to resolve all my problems with exception of two incorrect inquires on my Equifax credit report. I have copies of letters that were sent to Equifax informing them that the inquires were incorrect and for them to be removed from credit report. Multiple disputes were completed that the information is correct which it is not. I have spoken to them multiple times, I have sent then copies of the letters in the mail and via fax. I was informed that they never received the copies via Mail and I sent them to the wrong address.
Product: Debt collection

On XXXX XXXX sent Nation Credit System Inc XXXX  mail letter .To not to contact me by mail, phone in anyway until they have verified the debt.They haven't seen me any verification of any sort.They wrote me a letter not giving any proof to debt, but threating to sent said debt to credit bureau.Threating my to make it difficult to get credit, or housing.This is harassing me.
Product: Debt collection

On several occasions via text messages from XXXX XXXX has XXXX me text messages regarding an alleged debt on XX/XX/year>, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. On XX/XX/XXXX, I requested the forward flowing agreement or purchase order between XXXX and myself to prove I have contracted with them within XXXX business days. They should have sent it via XXXX mail which was clearly stated. I have yet to receive this request. 

On XX/XX/XXXX, XXXX has agressively inserted themselves on my consumer reporting with a collections via XXXX XXXX XXXX XXXX. This is clearly identity fraud and I am demanding XXXX to remove and permanently delete this collections off of my consumer report. Cease and desist IMMEDIATELY! 

XXXX has not provided said request and this does not give them permission to violate me in any way. You have to prove this debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX account # 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 an account without my written instructions.
Product: Credit reporting

I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Please advise! 
XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries 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
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Checking or savings account

Our business maintained a small checking account with TD Bank for several years. 
They closed our account and refused to give us the funds that were in the account when they closed it. 
We had gone to the bank to get a recent statement, since we could no longer access our account on line. 
The balance in our account is/was {$1600.00}. 
When I visited the bank and submitted back up papers, their response was that there is no way to prove that the money in the account belongs to us.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$570.00} 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Merchant credit is being reported on a monthly basis even though it has been claimed in a Chapter XXXX bankruptcy, on my credit report it has been reported each month as a current open past due, unpaid account, this is incorrect especially since this account was discharged in Chapter XXXX bankruptcy, it is still included on credit report as unpaid as of XX/XX/XXXX. I have repeatedly sent certified letters asking for my credit report to reflect the correct information, I 'm a single mother trying to correct my credit, they still try to include incorrect infomation
Product: Debt collection

They say i owe on a loan that I didn't take out and now are texting family members to call them. I called and asked them to stop and they laugh and hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

I dont the date cause they never called me, the amount {$7100.00} date was XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent dispute letter on XX/XX/21 to transunion sent 30 day failure to comply on XX/XX/21 to transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a checking account with XXXX XXXX  in XXXX. In XXXX I made a transaction that XXXX XXXX  paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. XXXX XXXX  decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from XXXX XXXX  from XXXX. I have shredded all paperwork associated with XXXX XXXX  since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to XXXX XXXX   several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since XXXX XXXX  opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt XXXX XXXX  does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).
Product: Debt collection

We have had a Time Share for 8 years and never used the facilities EVER. 

Called to have it removed.
Product: Money transfer, virtual currency, or money service

I set up direct deposit, they cancelled my card so that I couldnt use it, and when my deposit was supposed to come they told me it would take an additional 5 days. I tried to order a new card and it said my account isnt active. 
This has happened on three accounts already. They cancel access to my card.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states ; " I have the right to privacy 15 USC 1681 section 6048 section 2 states ; " a consumer reporting agency can not furnish an account without my instructions. Under 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I negotiated this payment with the collections company ( XXXX ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products. 

CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE. 
DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : AT T PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XX/XX/XXXX, Type : Collection Most Recent Adverse Rating - Date:XX/XX/XXXX, Type : Collection Prior Adverse Rating - Date:XX/XX/XXXX, Type : Collection XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that a citi bank credit card that does not belong to me is reflecting on my credit. 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, this is not my citi credit card and I have never applied for one. ( XXXX XXXX ) Please investigate and provide Proof with executed credit card agreements showing my signature and ID. If proof can't be provided I demand this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my daughter may have her identity jeopardized. I have received XXXX notifications regarding declination of services/credit but she is a minor. She did not authorize any agency nor requested any information from any agency regarding credit. 


Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XXXX XXXX, XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Having a huge problem getting a fraud alert off my credit reports. I called in but I was told some of my information is not correct and to send in documentation to update everything so the alert can be removed. I have attached a letter with all of my current information.
Product: Credit card or prepaid card

I referred a family member for one of their products, the American Express XXXX XXXX card, and that person was approved. American Express promised to give me XXXX XXXX points for referring this person if they were approved. My referral bonus did not post within a reasonable time period so I contacted American Express after 8 weeks from the date of this person 's approval. American Express refused to credit the points. 

I referred this person on XX/XX/XXXX and the person applied for the XXXX XXXX card on XX/XX/XXXX. I watched this person use my referral link and saw that his application was approved, this again was on XX/XX/XXXX. We each took screen shots of every step and that documentation is attached. 

I contacted American Express on XX/XX/XXXX and initially they said they would review my account by chat. They did not further initiate a chat invitation. I then contacted them again on XX/XX/XXXX and they told me they would not credit the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 someone tried to take out a personal loan under my name for {$7500.00}. OPORTUN INC/PROGRESO FIN who offered the loan have been contacted to remove their credit inquiries. However, there hasnt been any communication from the Oportun and their credit report is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries immediately. 

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 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, credit repair services, or other personal consumer reports

The Equifax security breach made public XXXX XXXX, 2017 is my concern. Contacting them on-line to find out if my information was 'hacked ' requires my social security number. Why would I share that!??? Put my number out for the world when I am unable to find out if my info has already been shared. Sounds like another open window for hackers.
I have been unable to contact Equifax thru phone. My battery died after 'hold ' for 23 minutes.
Product: Credit reporting or other personal consumer reports

I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.
Product: Debt collection

this company is harassing me about a debt that i do not owe. I tried to contact the original company to have it remove but the debt was sold to a third party and i was also mistreated and misdirected in the entire situation. I do not owe this debt because i have never had a XXXX service of any sort. The fcra and the fdcpa both state that a third party collection agency must be able to present documents to verify anything that they are reporting on a persons credit report and failure to do so could result in fines and penalties in which i will seek for the damages this is doing to my credit reports and my scores. This company must have a copy of an identification card as well as a copy of a ssn card and a purchase receipt to show the exact item or service that i am being accused of buying and a signed original contract with my signature and XXXX  agreeing to any debt to be paid etc or i will seek compensation for the problems this is causing in my life. This company is also very rude i tried to contact them but i was hung up on by an employee and that just made the situion even worst in my opinion because not only are they forcing unowed debts on me but they are disrespectful at the same time
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX amount : {$46000.00} date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX