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

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. I also have not been able to obtain a credit score from your company for over 60 days. If you would please be so kind to update my credit score and also delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/1994. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information, I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX.
Product: Credit reporting

There is a XXXX XXXX Credit card balance and negative report on my credit. The information is not mine. My wife has a XXXX XXXX credit Card, but I do n't. Nor is my name on the card.
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 Trafficking-Debt 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 Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information ChexSystems.
Product: Credit card

Im the victim of a credit card scam. I contacted Discover and asked how such something like this could happen. Why wasnt the 2 cards flagged to stop further purchases beyond my credit limits? I made no authorizations for any of these purchases or transactions. I believe that Discover fail with their due diligence. Regardless how the scammers got my cards I made no authorizations or okayed any transactions. It seems to me that Discover allowed this to happen to enhance their profit. This should have been flagged the moment the amounts exceeded the credit limits that were set. The scammers used Discovers temporary payment windows to skim while awaiting verification of payments. If there was a question on payments the account should have been closed while an investigation was made to what and why was going on than just authorize continued use of the cards. Discover didnt do there job. 
Now, one other thing the original ( XXXX ) accounts were closed. And now the account numbers have changed to ( XXXX & XXXX ) and some payments seem to be made but not by me. I have know idea what is going on!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my equaifax score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been trying to get experian to remove hard inquiries from credit file. i called them on XX/XX/XXXX and XXXX of XXXX one rep informed me she would escalate it i believe. they keep transferring me to different people. someone keeps using my information. ive already filed a police report and ftc report and sent them to experian. the same for XXXX. they told me inquiries were deleted but they are still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX, XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX XXXX Chapter XXXX bankruptcy discharged Account # XXXX, Chapter XXXX bankruptcy discharged Account # XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX ( XXXX XXXX Credit Card ), and Experian have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Experian re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Experian XXXX ( XXXX Credit Card ) Item Status : Item latest removal was on XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
Product: Credit card

Someone else tried to get a card through citibank. This alerted and gave an inquiry on my credit report. I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested a credit line increase of {$3000.00} online for my XXXX XXXX XXXX XXXX XXXX  at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, XXXX XXXX informed a hard credit inquiry without my consent or knowledge at the time or the credit line increase request. This is illegal. No way to provide my consent to a hard credit inquiry ( I.e. no button, signature, or check box was made available to provide consent ). Furthermore, the website provided no notice that a hard credit inquiry would be performed : no terms & conditions or verbiage were present before proceeding with the credit line increase to specify that a hard credit inquiry would be performed. 

XXXX XXXX 's hard credit inquiry now shows under " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX on my credit report and is impacting my credit score. 

I contacted XXXX XXXX today at XXXX to try to resolve the hard credit inquiry issue and inform them that it was performed without my consent or knowledge. However, they denied that the website did not ask for my consent. 

Note : Please see the attached screenshots proving that I was not notified about the hard credit inquiry before requesting a credit line increase. I also have a copy of my credit report to showing the hard credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX. A creditor ( XXXX XXXX XXXX ) is still showing on my report 5 years later. Ive contacted them as soon as the bankruptcy was finalized. I faxed them the discharge letter and e-mailed it to them. But its still showing. On XX/XX/XXXX my bankruptcy attorneys sent an e-mail, a fax along as did I and its still showing on my report even though this was discharged as part of my bankruptcy Please help
Product: Money transfer, virtual currency, or money service

Binance.US was working fine until XX/XX/2020, disabled my trading, deposit and transfers, then sends me an email that i need to deposit XXXX $ in 7 days or they will lock my account. They locked my account and now I cant do anything with all the money in there. 
Recently they said I can send a XXXX $ fee and they will unlock my account.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX account was charged off on the following date of XXXXXXXX XXXX. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to texas in XXXX XXXX dont owe any bills in california
Product: Credit reporting or other personal consumer reports

I submitted a previous complaint to XXXX, Transunion, and XXXX to delete inaccurate information on my credit report that was fraudulently initiated. I requested for the information to be deleted and blocked, however XXXX failed to completely comply. I was a victim of an XXXX data breach which I previously submitted proof regarding. I also was a victim of identity theft when personal documents including my social security card and birth certificate but not limited to were stolen. My previous complaint ID 's are XXXX, and XXXX. I am now again submitting a complaint to have all items I listed deleted and blocked with a police report as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX all need to be deleted and blocked. I'm also requesting punitive and statutory damages of {$1000.00} each for all violations currently still listed on my report and for the information that was removed from my last complaint.
Product: Credit reporting

On XX/XX/XXXX, I sent a certified letter to Equifax. That tracking number is XXXX. Post office confirmed receipt of letter XX/XX/XXXX. In that letter I disputed the following accounts. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX. On XX/XX/XXXX, Equifax contacted me with confirmation number XXXX stating that my investigation was complete. However, the only accounts they returned alleged verification for was for the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I contacted Equifax in regards to the accounts they stated were verified as I wanted to know how could they verify accounts that the creditor has not yet verified to me. I assumed because the other accounts were not listed in their response, that they were found to be unverified as they are. I spoke with representative " XXXX '', who would not give me her last name, who confirmed Equifax had received my original dispute but had failed to investigate those accounts. According to the fair credit reporting agency, they must verify inaccurate information in a timely manner. Equifax has failed to investigate these outstanding accounts and in fact have completed the investigation without even attempting to verify these accounts. I will upload these documents as proof that they did not investigate as they were obligated too
Product: Debt collection

I reviewed my credit report and found 2 charges from Receivables Management with the original creditor being XXXX XXXX. I have disputed this to no avail with this agency. This is causing me so much stress its ridiculous. This is a violation of HIPPA and I do not owe anything because I had XXXX insurance so I should not owe a dime. I have never received proof of this debt and even so why should an outside agency have record of my medical information in the first place. I did sign any contract with this company therefore I owe nothing.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I stumbled across a few accounts that did not belong to me. I have never heard of such companies before. I also have never given anyone my personal information. Below are the accounts : XXXX XXXX balance {$530.00}, posted on XXXX XXXX Acct XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX balance {$140.00}, posted on XX/XX/XXXX Acct XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX {$0.00}, posted XX/XX/XXXX Acct XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Office of the Attorney General is the official child support enforcement agency in Texas. In addition to enforcing payment, the AG 's Child Support Division helps locate noncustodial parents, establish paternity, collect and distribute payments, and review and adjust child support orders.

15 U.S. Code 1681s1 - Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child su
pport enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.

As noted above in the referenced statute concerning Credit Reporting Agencies, the only permissable purposes of reporting child support payments/non-payments has to come by " A State or Local child support enforcement agency ". The State of Texas is the only child support enforcement agency that's legally authorized to report child support payments/non-payments. XXXX, Equifax, & XXXX are violating the FCRA by reporting child support payment history via-third party agency. The State of Texas does not have an account with E-Oscar that allows their computers to communicate with each other. 
The following account is in violation of the FCRA : 1. OAG Child Support Enforcement opened XX/XX/2016 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. XXXX XXXX claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to Best Buy originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter about inaccurate, misleading, and unauthorize things on my credit report. It has been well over 60 days since I sent this letter and still have not received a response,. I contacted the bureaus and was told that I can not speak with a representative over the phone and am only allowed to mail or fax the office. I feel like they are neglecting and not taking my disputes serious. According to Section 611 ( a ) any failure to investigate these items within 30 days gives a qualified rationale to immediately remove those items from my credit report, given that it has been over 60 days, and I have not heard one word from this company, these items should be deleted immediately and without hesitation! If these accounts are not deleted immediately, I will include these mishaps and neglect in my current litigation due to feeling unheard and mistreated. Please also look into my information being breach in the XXXX  data breach bc i'm afraid that it gotten into the wrong individuals hands.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  standards. Due to the Equifax data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing.
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 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX   XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud )
Product: Checking or savings account

Someone stole my card and got access to my online banking. Where they took out {$990.00} at an atm bank and also {$1600.00} out of an atm bank. I went to Wells Fargo made a dispute and about a week later they said it was denied and did not give me reason other then it was denied. Money was tooken out my account between XXXX. I explained to them I have kids and rent do and they just make it easy for people to steal money and get away with it and that I feel that my money is not safe with wells. They offered me {$0.00} money back. The person that took my money is clearly on camera at different atms taking my money
Product: Debt collection

NCC Business Services ( FL ) is trying to ruin my credit by stating I owe them {$550.00} for an apartment I never moved into. This debt has been reported on my report for 3 years now. I took a job in XXXX XXXX, Texas and went around looking for an apartment to live in. Found one I was interested in. Put down a deposit however, I never moved. I got transferred. Did n't get my deposit back which I already expected to happen. However, 3 years later I 'm looking at my report and there is collections on there from NCC. I contacted the apartments ( XXXX XXXX in XXXX XXXX, Texas ) and they have already changed owners. The manager told me she could n't settle the amount because I never lived there. She had nothing to tie the money to. She told me to contact the collection agency. I 've gone through XXXX to try to get it disputed. They told me the debt is valid. How can it be valid if I NEVER lived there. I 'm very confused and need help getting this resolved.