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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Equifax to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 U.S.C 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my writing 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

This credit situation is deterring me from purchasing a home for my family.
Product: Debt collection

RE : Unauthorized Accounts/Inquires To Whom It May Concern : I recently reviewed my credit report and found unauthorized Accounts/Inquiries that are attached to this letter. I disputed these accounts on XXXX they came off due to violations listed on the bottom of this page. I would like to see the same for Experian XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have these three negative accounts on all three credit Bureaus. I've disputed an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX bank ) XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) I have inquiries from on my credit report that did NOT get my written instructions & I have the right to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

PLEASE DO NOT SHARE MY PERSONAL INFORMATION SUCH AS ADDRESS. THESE PEOPLE THINK I AM LIVING IN CALIFORNIA AND CLAIM TO HAVE MAILED LETTERS WHICH I HAVE NOT RECEIVED ANY FROM THEM. I received a call on XX/XX/XXXX at XXXX from an unknown number at my work place. A woman by the name of XXXX XXXX asked for me and once I confirmed, she said that there had been a " complaint filed against my social security number and she proceeded with her disclaimer this is an attempt to collect a debt so on and so forth. She then mentioned that a Male by the name of XXXX XXXX would be calling me to discuss the details. I asked her to not call me here and provided her with my cell phone number. She politely agreed to make my personal cell phone number the only number on the account to call. I mentioned to her that I was at work, and that if I was n't able to answer, to have this XXXX guy leave me a message with a call back number and would try to call during a break. Shortly after, I received 2 missed calls. The first was from XXXX again and then from XXXX. They both were requesting a call back. I called XXXX directly since XXXX seems to be the middle person attempting to reach consumers. He started somewhat with a normal tone that quickly went south when I started requesting a mailed copy of the itemized bill for purchases made including dates and times as well as amounts and locations since I have been filing Identity Theft Affidavits with the IRS because someone used my social security number in XX/XX/XXXX-XX/XX/XXXX and the extent of the damage is still unknown and being investigated by myself. He raised his voice at me saying that this case was being filed on Monday and that there was no time to provide me with any paperwork. I continued calmly and stated that because of my IRS Affidavit filed, that I had the right to obtain that paperwork for my safety and fair claims. He continued to say that I was the irresponsible one for not being able to pay my bills and that he wished me luck and was going to make a claimer that I " refused '' to pay the debt when in fact all I asked was for proof of purchases made on that account to be able to verify before agreeing to any payments. He said there was no time for that since it was being filed on Monday XX/XX/XXXX. He hung up on me and I called him right back. He then answered as a XXXX when he had previously said XXXX. The voice message that I received clearly says he is XXXX XXXX ( I have the message as proof ). I was on my lunch break during this call which was from XXXX to XXXX. When I returned to work, my supervisor mentioned that she received a call ( verified that call was received again from an unknown number at XXXX ) from a XXXX XXXX for me. She said that I had stepped out and if she could help with anything. He then went ahead and asked to speak with my supervisor. Little did he know that he was already speaking to her. He then hung up on my boss which is also a licensed XX/XX/XXXX here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX Numerous times, Left Numerous voicemails requesting a security freeze be placed on my file, and for a copy of my consumer report. They refuse to call me back, They haven't placed a security freeze even though I am a victim of identity theft and refuse to even reach out to me. Please review the Identity theft affidavit below, and promptly send me a copy of my consumer report. Also please place a security freeze on my XXXX file as there is fraudulent accounts on my XXXX consumer file that I will need to have blocked, but I have not been able after numerous attempts to obtain a copy.
Product: Credit card or prepaid card

XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX FL XXXX Attn Billing Inquire Account No : XXXXXXXX TD Bank USA. N.A., c/o Target Card Services XXXX XXXX XXXX XXXX MN XXXX Statement XX/XX/2022 and unpaid previous Balance of XXXX and XXXX late fee. 
I really forgot to paid so I called Target customer service and agree to pay over the phone and they will credit the account the XXXX dollars Late fee and that would have been the end of it. 
My account was not credited and the account remain with a balance that I did not paid waiting for a credit instead the company ( Target ) issue yet another Late fee on XX/XX/2022 Statement for XXXX plus the XXXX late fee from prior statement not credited leaving a balance on XXXX on late fee ( not consumption of any good or service ). 
XX/XX/2022, I sent the first letter requesting a correction since all this commence with their mistake and not given the credit, they promise on XXXX. XXXX XXXX get a letter with a credit of XXXX dollar showing a balance of XXXX dollars. XXXX XXXX another letter XXXX. 
XX/XX/2022 statements showing credit I never saw and more fees and a XXXX balance XX/XX/2022 a letter that my claim was been review. 
XX/XX/2022 Statement with a balance of XXXX dollars XX/XX/2022 Statement also balance XXXX dollars XX/XX/2022, I sent second letter And the final response from the company was a letter from Target dated XX/XX/2022 in which they inform me that they disagree and that all the charges XXXX plus XXXX + XXXX + XXXX + XXXX + XXXX as well as all applicable fees will remain Last but not least just receive XXXX statement XXXX XXXX with yet another late fee of XXXX + XXXX interest for a total of XXXX Dollars. 
The card was sent back and cancel and no use and no charges has been made since XX/XX/2022. 
In hope that this a better outcome Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was checking my credit report and noticed many things on it that i haven't done, so i freeze my credit, filed a police report also a FTC report, and started to dispute the incorrect items, i was successful with everything until it came to Equifax, they are saying the item has come back as verified which cant be correct because if it was verified that mean i have done it and thats just not true im asking the company to show me what was used to verify that i in fact is the correct owner of the account they sent no nothing, i need proof if the person driver license, social security card, phone number, signature, mailing address, i need everything because if this account belong to be the creditor and Equifax can send this over because its already me right? this company has no respect and is not reading the dispute letter its just saying verified and pushing the problem away i know this because i am not the owner of the account that was open, my information was also leaked in the Equifax data breach, and dark web breach so im assuming thats not true either. i dont know whats going on with Equifax but my next steps is to take them to court and im going to file the paperwork tomorrow XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my inquiries for a car loan I applied for back in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX has improperly pulled my credit when I asked for more information about a car in XX/XX/XXXX. On XX/XX/XXXX, when applying for a XXXX, Ive received multiple hard inquiries from multiple banks despite choosing to bank with XXXX XXXX for the auto loan in the end. The multiple inquiries never were counted as one and they are still on my credit report. Furthermore, I recently traded the XXXX in for a XXXX and received an auto loan from XXXX XXXX but noticed XXXX XXXX made a hard pull on my credit report on XX/XX/XXXX. Please remove that inquiry also since I did not end up going with that banks loan. I would like the credit bureau to remove the inquiries that had nothing to do with the loan I ended up choosing to finance my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquires as they do not belong to me. I have included the identity theft report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue with the Credit Reporting agencies ( XXXX, Equifax, and XXXX ) reporting inaccurate information to my credit report. I've contacted each agency XXXX, XXXX, and XXXX of XXXX  to resolve the issue. There is an account showing in charge-off status that has since been cancelled, forgiven, and written off by the lender. The lender has written this debt off and it has now become taxable income. Taxable income CAN NOT be reported on a consumer 's profile. I've requested proof to show me where income is reported as debt on a credit profile and have yet to receive a response. Each bureau has the responsibility to report maximum accuracy on my credit profile. Reporting an account that is not disputable and is now considered income is now in violation of 15 USC 1681 ( e ) b
Product: Credit reporting or other personal consumer reports

XX/XX/year> I complete application and computer submits account name incorrectly.
Product: Debt collection

For the past 3 year Ad Astra Recovery Services has been trying to collect on a debt I do not owe them. I do not have a contract with them and when I have asked for validation of the debt they send me a copy of a bill from them no contract stating I owe Ad Astra Recovery Services nothing! They also have been reporting this account status as open instead of closed. That is a direct FCRA violation which entitles me to a least {$1000.00}. They have not nor are continuing to offer credit to me. The correct status should be closed. After 180 days that an account becomes delinquent the status should be closed. It has been 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ) My credit report is reporting inaccurate information and I keep getting an AI bot that replies and not an actual representative. Im sick and tired of these companies selling my information illegally without my consent, they are holding me back from making moves in my life and buying a home. these accounts also keep coming back verified. These collections are violating my consumer laws and its having a tremendous effect of me. 

these accounts are XXXX XXXX investments ( Acc : XXXX ) and XXXX XXXX XXXX ( acc : XXXX ). 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity, I believe it was reporting in error. Here are the list of accounts that I want to correct as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I was a victim of identity theft which I reported XX/XX/2019 ( case # XXXX XXXX Police Dept ). I became aware of the fraudulent auto loan when I tried to purchase a vehicle and the sales person questioned me about the other auto loan on my credit report. Since then I have worked diligently with the with the dealership to understand and resolve this false account in my name and to clear my credit. I worked directly with XXXX XXXX at XXXX XXXX XXXX ( acct. # XXXX ) which resulted in release of any financial responsibility to the auto loan and the loan was also removed from all three credit bureaus on XX/XX/2019. Several months later I began receiving harassing calls and letters from Radius Global Solutions LLC ( # XXXX & # XXXX ) in reference to the fraudulent auto loan which they incorrectly list as account # XXXX with the same information I have provided you and I continue to receive calls and letters in the attempt to collect on debt that has been a result of identity theft.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I initiated disputes with all three credit bureaus regarding inaccuracies on my credit report. However, I am concerned that my disputes may not be fully investigated. I kindly request that each bureau conduct a thorough investigation into my disputes and ensure they are not disregarded, including those submitted via mail. 

Thank you for your assistance.
Product: Credit card or prepaid card

Comenity-victorias Secret credit card. My first payment due date was on XX/XX/XXXX. I paid my balance, total payment of {$65.00} on XX/XX/XXXX. I didnt receive any mail from comenity bank only coupons from victorias Secret until the XX/XX/XXXX I received a phone call from comenity bank asking me to make a minimum payment of {$38.00}, so I asked Mr. XXXX ( the manager ) what he is talking about because I pay off my  whole balance, and I had never use my credit card, ( my balance was from the date I opened the account at the store ). And he said I had a balance of {$38.00} plus late payments and interest. I spoke to him for over an hour and he said I had to make a payment or my bill will be over {$100.00}, he couldnt do anything for me, He said I have to make my minimum payment and after that date he will put another charge of {$38.00}, we didnt have any agreements, I request my credit card statement because I didnt get one for over 2 months. He did send me one with {$28.00} late fee plus {$2.00} interest plus {$33.00} late fee and {$2.00} interest plus {$38.00}, {$38.00} my balance was now over {$90.00}. On XX/XX/XXXX I have another phone call from comenity bank to make a minimum payment of {$38.00}, I explained To the girl I dont owe them any money and explained to her everything and she just keep asking for {$38.00} and after midnight she will put another charge on my account. Several times I spoke to comenity bank managers and they just try to force me to make a payment of {$38.00}. At the end of XX/XX/XXXX I spoke to another manager she said she will reduce my payment to {$60.00} for me to pay my bill my husband was going to pay {$60.00} I was not agreed with that but I didnt want to deal with comenity bank anymore, but the manager tried to collect {$60.00} and she said she will add another {$38.00} late fee after the payment, so I refused to made the {$60.00} payment. Finally on XX/XX/XXXX, I spoke to another manager name XXXX, I told her what I had been going thru and I told her I agreed to pay the {$38.00} charge to get over this nightmare and she apologized for everything I had going thru and she took my payment and I requested a copy of my future statement with {$0.00} balance. Comenity bank affected my credit score with false fees, late fees, interest and bad managers that they couldnt explained me from where the fees come from. Also, they lower my credit card credit limited to {$150.00}.
Product: Credit card or prepaid card

On XXXX posted date, my wife and I ate lunch at XXXX XXXX in XXXX, XXXX {$28.00} Upon arriving back at home we noticed there was an extra charge for large bowl of XXXXXXXX XXXX XXXX We did have XXXX bowls but there was a charge for " airplane bowl '' ( large ) which we did not have for {$10.00} I sent receipt of restaurant to Capital one in XXXX without response for credit of {$10.00} Please credit me money and let merchant know of overcharge
Product: Credit card

Please help. 

I have a Nordstrom department store credit card that I use rarely, however I did use it in XX/XX/XXXX. The company changed my account to online billing without my consent. Prior to this, I had received paper statements. The balance due on XX/XX/XXXX was {$500.00}. Since I did not receive the paper statement, I was late and assessed a {$29.00} late fee on XX/XX/XXXX. On XX/XX/XXXX, I instigated an online payment in the amount of {$300.00}. It posted on XX/XX/XXXX. Since I missed the cutoff, this {$300.00} payment should have been attributed to XXXX payment. 
Today, I received an email stating that I owed a {$40.00} late fee for XXXX payment due XX/XX/XXXX. This is incorrect and unfair. When I called Nordstrom and spoke to XXXX ( # XXXX ) she told me that the XXXX {$300.00} payment was applied to XXXX statement and that the statement period closed on XX/XX/XXXX, even though the payment was due and the late fee was assessed on the XXXX. This is blatantly wrong. 

As of today, I paid both the XXXX {$29.00} and XXXX {$40.00} late fees, even though I made a {$300.00} payment on XX/XX/XXXX, and cancelled the card, but Nordstrom needs to be held accountable for this fraudulent practice as well as for changing my billing to electronic billing without my consent. I have not received any paper statements from them. 

Thanks XXXX XXXX
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. 

XXXX Rental agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$37000.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't 've be there
Product: Credit card

I was offered a retention bonus of XXXX membership rewards points in XX/XX/XXXX. They never posted. After calling in several times over the course of XXXX months, and several guarantees that the points would post they never did. All of the conversations were recorded by American Express. American Express lied to me on several occasions saying that the points would post " in a week.. '' or assuring me the points would " post soon ''. They XXXX told me 8-10 weeks, and at the 10 week mark I called in and was told 4 more weeks. At the 14 week mark I called in and was told 4-8 more weeks. The result of this caused me to lose out on an annual fee refund if I closed the card instead of accepting the retention bonus. The total resulted damages from the non-refund was XXXX {$250.00}.
Product: Credit reporting or other personal consumer reports

Consumer reports. Rental history and report. Lexington law credit repair and XXXX data breach settlement case debt collection and tXXXX XXXX XXXX XXXX by unknown but have police report companies never solved or responded to fraud identification including correct history
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Bank of America customer ... both a deposit and a home equity account. 

I borrowed against my HELOC ( XXXX ) last Fall and in ~XX/XX/XXXX use the phone app to pay off the balance. For the following 2-3 months, I re-checked the app, the desktop site and visited the branch. All 3 said I had a {$0.00} balance. When the statement came to my house a month or 2 after all 3 said {$0.00}, I didn't bother to open it. 

In XX/XX/XXXX, my credit score went from an XXXX to a XXXX because XXXX reported me as being 30+dpd for {$5.00}. Apparently, there was some accrued interest that I didn't ( know I needed to ) pay. 

While technically accurate, I think it is wildly unfair that all 3 tools ( app, website and teller system ) all said {$0.00}, none clearly said 'YOU MAY HAVE ACCRUED INTEREST, PLEASE CHECK YOUR BILLING STATEMENT BECAUSE THAT IS THE ONLY WAY YOU WILL KNOW. IF YOU DON : T READ IT, YOUR CREDIT SCORE WILL GET SLAMMED '. 

As a side note, I never received a call, an email, a special letter or an online alert that something was late ... and all that for {$5.00}?!?! wow. 

I've since paid the {$5.00}. 
I just was the delinquency notification to all 3 bureaus reversed. 
I called XXXX and they said they would not reverse the notice to the bureau. : ( Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX