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

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

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 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 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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Case Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reaching out to the company, XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX This company has placed erroneous information on my credit report. My identity was stolen and was used to apply for a credit card. If you would take a closer look at my credit history, I have impeccable credit, no attempt by creditors to collect, no late payments or defaults of any kind and have never defaulted on a loan, so why should I do so now? Even though the company closed the account, Remarks CLOSED BY CREDIT GRANTOR. My credit report still shows that there is a balance of {$8900.00} and I don't want this showing on my credit report. This company should not even be on credit report at all. 

Here are some additional questions that I feel should be investigated : Does the company show where they mailed the credit card to, was it to my home address or to an email address? Was it a credit card or was it an e-card? Do they show when and where purchases were made by me, the real XXXX XXXX? Did they ever send me a statement of any sort, or do they have any other proof that I actually received the card?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a letter from XXXX XXXX  stating that I closed my account balance was paid in full. This bank reached out to me offering a concession to pay this balance to XXXX. It was to eliminate the exuberant 29.99 % interest. The bank reported that i closed my account and the credit bureau dropped my FICO score 81+ points. They further reported a late payment for the Month of XX/XX/2021 which further reduced my score. The C/Bureau unfairly limits your ability to type alpha numeric text to XXXX characters and does not allow you to drop a PDF over 6mb which restricts your ability to efficiently and effectively communicate your dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax auto finance not my account and I want removal off my credit Carmax XXXX is the amount Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested my consumer report from XXXX. After obtaining my consumer report I saw that there was a re-insertd bank accounts from XXXX XXXX XXXX XXXX. The re-inserted account was on my Chapter 7 Bankruptcy from XXXX 2010 and these accounts were included on the bankruptcy. The Credit Union has re-inserted these bank accounts in which were enclosed on the chapter 7 bankruptcy. I have sent this information over to XXXX XXXX XXXX XXXX over a month ago and they have not removed the entries. So now I am submitting this to the CFPB. They can not re-insert accounts that were included in a bankruptcy and after seven years. Also XXXX again has put addresses on my report that do n't belong to me : The only addresses that are associated with me are as follows : XXXX XXXX XXXX XXXX, NJ XXXX Thank you
Product: Debt collection

I received a prescription order from XXXX XXXX, for XXXX sometime in early XX/XX/2023. This prescription was supposed to be free, because I was at the time on XXXX XXXX XXXX XXXX plan, received full extra help on part d from social security, and received Traditional Indiana Medicaid as well as being a qualified Medicare beneficiary, as I am XXXX income on XXXX. XXXX XXXX took {$84.00} out of my checking account using my debit card without my prior knowledge. After contacting XXXX XXXX, on XX/XX/2023, they attempted allegedly to refund the {$84.00} to my checking. Supposedly the credit was declined. As a result of this declined credit, XXXX XXXX mailed me an {$84.00} check. XXXX called and said for me to cash the check, deposit it into my account, then write a check to them for {$84.00}, alleging that I owed them {$84.00}. I refused, and upon receiving the check I destroyed it and did not cash it. Due to not cashing the check and depositing into my account and mailing them a check in that amount, the {$84.00} they owed me turned into them saying I owed them {$84.00}. I did not owe them the {$84.00} they took from my account, so hoe could I owe another {$84.00}. I disputed the debt, and XXXX XXXX alleges I owe the {$84.00}. They then requested to prove I didn't owe them {$84.00}, to fax a bank statement proving there was no proof of anything being attempted to be deposited into my account by XXXX XXXX. I refused, as they said they would back out the claim and re-run it, then take more out of my account again, then credit me back the difference. I told them they were not being faxed a statement and if they took from my account again without my permission, I would take legal action. Since then XXXX XXXX has sent 2 or 3 {$84.00} bills, saying I owe them. I ignored their requests, because attempting to dispute the charge through them directly, they claimed I owe it. I did not receive the {$84.00} credit, which they claim my bank denied, and there is no proof they attempted. That means the check they claim I was to write them one back for {$84.00} in it's place was not owed to them, and in reality to this day they still owe me {$84.00}, and now I am receiving a collections letter from Transworld systems Incorporated, saying I owe this debt. I do not owe this debt, as I had one XXXX XXXX representative confirm the error, which is why I was mailed the {$84.00} check. Because XXXX called and said they made a mistake and I was to cash the check, deposit into my account, then send a check to them from my account in the amount of the check, I suspected it to be a scam. That is why I destroyed the check, did not cash it, and did not send XXXX XXXX a check. I am disputing this {$84.00} bill from XXXX XXXX with this evidence, proving I do not owe XXXX XXXX  {$84.00}, but rather XXXX XXXX still owes me {$84.00} for the original debit from my account for a prescription that should have been fully covered by my insurances. I refuse to pay, communicate with or be contacted by XXXX XXXX, or the collection company until this dispute is investigated and the issue is resolved.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX AS OF XX/XX/year> I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX 15 U.S. Code 1681c-2 it has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete this items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. at resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. IT HAS NOW BEEN 30 DAYS THIS IS BY LAW REASON FOR DELETION OF THIS FRAUD ACCOUNT 15 U.S. Code 1681i - I ( 7 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT - 15 USC 1681B - PERMISSIBLE PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit agency, improperly investigated my two Dispute. Both were from apartment complexs. That I could have not been living in at the same time. They didn't show me any documents stating I was in default with them both
Product: Credit card or prepaid card

My monthly payment for my XXXX XXXX XXXX was due on XX/XX/2022. I tried logging on to my Comenity account via the XXXX app. There was no option to sign in and make a payment. I tried accessing their " Easy Pay '' feature, but all I got was a blank screen after loading. I contacted XXXX via XXXX to find out what was going on. They suggested I call the number on the back of my card. I have tried calling four times. Each time, there would be a ring then dead air, followed by an automated message saying my call couldn't be completed due to technical difficulties. There is literally NO way to make a payment. And Comenity is responding to complaints with a blanket statement, and saying that they have no idea when their online system will be running again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXXXXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXX. XXXX XXXX XXXX XXXX  Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

They closed my account on XX/XX/XXXX and i submitted a complain with you guys. Then XXXX XXXX contacted me and told me that he will re open my account. then on XX/XX/XXXX, he send a response denying me my account to be re open. I tried too many times to contact him and he never reach out back to me. the only time we spoke he was racist and discriminated me saying he couldn't understand my accent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on report that i do not recognize.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) was the 3rd party that compromised my XXXX XXXX XXXX  Visa credit card account on XX/XX/XXXX and XXXX XXXX XXXX may have initiated that breach. XXXX  XXXX XXXX acted fraudulently when it created a fictitious account on XX/XX/XXXX without a Credit Card Agreement to allow XXXX to recklessly transfer a credit card account originated by XXXX in XX/XX/XXXX. Levy & Associates attorney for XXXX XXXX XXXX filed a false claim in XXXX County Municipal Court on XX/XX/XXXX pursuing {$4800.00} more. XXXX  XXXX XXXX was already unduly enriched by demanding and receiving payments from me from XX/XX/XXXX - XX/XX/XXXX on an account not legitimately owned by them. XXXX   XXXX XXXX XXXX XXXX and attorney XXXX Levy/Levy & Associates are violating the OCC Consent Order # XXXX dated XX/XX/XXXX. XXXX  XXXX XXXX is corrupting the banking system with what appears to be racketeering and Levy & Associates is perverting the justice system by getting a  Judgment for them on a fictitious account with no account agreement. XXXX   XXXX XXXX did not and can not produce the credit card account agreement they referenced in their response to my original complaint # XXXX referred to the CFPB by the OCC via my Case # XXXX on XX/XX/XXXX. The correspondence received on XX/XX/XXXX from XXXX XXXX XXXX in response to my initial complaint is unacceptable and erroneously dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The company has been garnishing my check every week to pay the remaining balance and the account is showing charged off and the owed balance is incorrect and it's not showing on my credit report Writ of Garnishment ACTIVE CASE ID XXXX GOAL AMOUNT {$8900.00} XXXX ID XXXX PAID TOWARDS GOAL {$2200.00} START DATE XXXX REMAINING BALANCE {$6600.00} PAID TOWARDS LIEN {$2200.00} END DATE XXXX LAST DEDUCTED AMOUNT {$210.00} LAST DEDUCTED DATE XXXX DEDUCTION AS PER ORDER 25.0 % DEDUCTION FROM Disposable Income PAYEE NAME XXXX XXXX OF XXXX XXXX JUDGEMENT CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX This is proof and I have proof of weekly amounts being taken out of my check
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX 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

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 XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XXXXXXXX Ive disputed many times in all agencies the 120+ days past due
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/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, credit repair services, or other personal consumer reports

I submitted a dispute with Experian on XX/XX/2021 regarding a collection account that had been paid and the creditor agreed to request that their trade line be deleted from my credit report. Experian is refusing to delete the trade line even though I have provided proof in the form of a letter from the creditor indicating that this item should be removed. They also sent their own request. This trade line has been removed from XXXX  and XXXX  and this is affecting my ability to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a foreclosure remaining on my credit report that has expired many months past the last payment date and actual conclusion of the non-judicial foreclosure date. ( XXXX XXXX XXXX XXXX XXXX ). The date of the last payment was XX/XX/2016, and the non-judicial foreclosure occurred XX/XX/2016. Please remove from my credit report as the seven year reporting period has expired.