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 U.S.C. 1681 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written Instructions Total 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 XXXXXXXX 15 U.S.C . 1681 section 602 A states I have the Privacy 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting containing any of the following Items of information any other adverse item of Information other then records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 resonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I checked my XXXX XXXX  and I seen An account that is not mine thats fraud Its called selfXXXX XXXX XXXX  Its a secured loan and they took that loan out XX/XX/year> for {$510.00} this was not me. I dont even know who these people are. I need help.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Checking or savings account

I tried to transfer my money to my bank and they locked it for fraud said Id get an email in XXXX and now its been almost a week and still nothing.thats all my money for bills and my kids
Product: Debt collection

I have been repeatedly contacted by XXXX XXXX XXXX, XXXX XXXX XXXX, Resurgent Capital Services, and PYOD Inc. attempting to collect a fraudulent debt that has already been reported as identity theft to the FTC and the original creditor and removed from my credit report. I have informed representatives of these companies that the account has been reported and confirmed by the original creditor as fraudulent and demanded they cease and desist contacting me and despite this they have persisted in harassing me by mail, telephone, and e-mail.
Product: Payday loan, title loan, or personal loan

I complained about Tower Loan XXXX and now it is XXXX and other worker. 
calling my husband three or more times a day harassing him at work My husband has had a XXXX and we have had XXXX XXXXXXXXXXXX XXXX we filed hardship with freedom debt these people will not listen get very demanding and threaten I called XXXX Police department on these people for harassing and threats
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 Account # XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$460.00} XX/XX/XXXX  15 U.S.C, 1681section 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 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

XXXX XXXX XXXX and XXXX have been manipulating and alternating a fraudulent account with hopes to receive payment for it while creditors are assisting with this breach of data. Attached youll see {$2400.00} XXXX XXXX Account Closed Date Closed : XX/XX/XXXX This comes directly from my credit union pulling in information. 

Date opening as XX/XX/XXXX and date closing as XX/XX/XXXX is impossible and come from ghost account being created and manipulated for fraudulent collection of payments. 

When requested to remove fraudulent account company refused and attempted to ask for personal information to change account to match consumers. This is also apparent on my FICO score as they have changed the naming system on this to avoid investigation
Product: Credit card or prepaid card

I was late making a payment over 6 years ago on my Chase Freedom card. My APR was 14 %, with a 6 month penalty APR of over 28 %. They never reduced the penalty APR, and continued to charge me the penalty APR until today. There are thousands of dollars I overpaid them in interest over the past 6+ years. My interest rate is still over 28 %, when I called them about it, they refused to do anything. Since it is my oldest card, i asked them to reduce the credit line to {$500.00}. They were willing to do that. Doesnt change thay I overpaid thousands of dollars in interest.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national breach after reviewing my credit report I noticed some accounts i am not familiar with I have ask the XXXX 's for validation of debt however the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with Please find attached copy of my ID. The FTC complaint a copy of the XXXX report showing my information being exposed in the national data breach and a validation of debt letter.
Product: Debt collection

1 ) I have been in contact with XXXX XXXX XXXX XXXX ( XXXX ) and sometimes refer to themselves as First Advantage about a dispute I am having with their client who is placing a collection on my name. 

2 ) I have then emailed the collection agency correspondence and shown evidence of now responses by their client about the dispute. Their client do not take calls or return emails. 

3 ) XXXX have acknowledged the matter is in dispute however, have still placed the matter in collections and effected my credit rating. They claim unless their client allows them to remove my name from collection they will not be doing so regardless of the dispute.
Product: Money transfer, virtual currency, or money service

I originally contacted Coinbase on XX/XX/XXXX with the reference # XXXX. From XX/XX/XXXX to XX/XX/XXXX, I probably contacted Coinbase about XXXX times via chat, Instagram and telephone spending about 3-4 hours of my time trying to resolve the issue of my account being unable to purchase cryptocurrency. Keep in mind, my account is over 7+ years old with multiple successful transactions. Coinbase asked me to upload a selfie, a valid government ID, and to fill out a questionnaire about why I want to buy crypto. I complied with all of these requests and was given the runaround multiple times by their customer support agents. One customer support agent even told me that I needed to delete accounts that belonged to other people in my household but those are entirely independent of my account. In a nutshell, every agent was telling me something different meaning that the true reason for the restrictions on my account were not being disclosed transparently.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CO never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX is pursuing me for a debt that includes illegal late fees. The fees were charged against me incorrectly, plus interest and capitalized fees. I was also required to pay a capitalized fee that was not validated with me. I was not given a description of the amount of interest, principle & penalties and fees that were included in the debt lawsuit filed against me.
Product: Debt collection

I moved out from XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) reported my name and amount owed to collections agency. XXXX XXXX XXXX claimed that they have sent a notice about my balance to my address. Supposed letter was dated XX/XX/XXXX and didn't have my address at all. I have never received the notice. 

As a result, this balance was reported to collections agency, PROCOLLECT , INC, XX/XX/XXXX. I have notified this agency that the information is wrong, and the letter from the XXXX XXXX. However, they still have my report in collections.
Product: Credit reporting or other personal consumer reports

I am a victim of identity thett, I'm not sure who is using my information but this is just continuing to happen to me. 

I reside in XXXX California for majority of my life. Somehow someone has an eviction in my name in Alabama. 

I have no connection with any account listed. 

I filed out a police report, and an identity theft report. 

I filed court paperwork as well please help me l have no knowledge of any of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Equifax a Bankruptcy on my report. They stated that they verified the the report with XXXX XXXX. 

XXXX XXXX has been XXXX since XX/XX/2020. They LIED ABOUT USING XXXX XXXX as the source. That is blatant lie.
Product: Credit card or prepaid card

If you apply for an Apple MasterCard, you can only use it in the Apple store unless you own an XXXX or an XXXX. That sounds like a store card, not a MasterCard. That does not sound completely lawful to market it that way as a MasterCard. It should be either a store card or a MasterCard.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never XXXX  days late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XX/XX/year> ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank You, please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX OF XXXX XXXX XXXX : {$16000.00}
Product: Credit reporting or other personal consumer reports

Through this message I want to continue the claim that I started with you, claim number XXXX, which after you investigated with the American Express company about my fraud claim, I received a letter from them on XXXX XX/XX/year> where they told me that they would continue investigating and that they could not delete that account until the investigation was finished, I reiterate that I was a victim of identity and that I did not request any credit from them, that I never made any payment from a XXXX account XXXX because I have not had accounts at XXXX and that I need you to delete that account from my credit history. As of the date of this message, the company has not given me any response, thank you.
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. 

Account name : XXXXXXXX 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 XXXXXXXX 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 or other personal consumer reports

Equifax XXXX and 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. 1671c. ( 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 antedate 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: Payday loan, title loan, or personal loan

Account was paid down to XXXX when I encountered difficulty paying Account was subsequently charged off. Lending institution is still charging interest on a charged off account
Product: Debt collection

Please remove the following information of the companies on my credit report these all on my credit due to fruad please remove them XXXX XXXX XXXX Balance of {$1500.00} Date open : XX/XX/2022 Acc # XXXX Collection type account XXXX XXXX XXXX Balance of {$1300.00} Acc # XXXX Date open XX/XX/2022 Collection type account XXXX XXXX XXXX Balance of {$370.00} Acct # XXXX Collection type account
Product: Credit reporting or other personal consumer reports

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

Account name : 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

The credit bureau is reporting a closed account with Clay Cooley Motor Company that is over 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed numerous items with the credit reporting agencies that had incorrect information, accounts that don't belong to me, mixed report with someone else debt they continue to verify incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX also know as XXXX XXXX XXXX XXXX. I am a victim of identity theft. this issue has severely ruined my life. I have been denied employment as well as an auto loan due to this unfortunate event. I also was involved in a criminal investigation as i was notified by the XXXX  police that i was involved in bank fraud that i had no clue of. I have reached out to the bureaus several times.Wrote letters, called by phone and nothing has been done to correct this issue. I have sought legal counsel to help me in this matter seeing that the bureaus are unwilling to help. ( XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AL XXXX ) has decided to take up my case against the bureaus.Due to the well detailed paperwork that i provided him, he has spotted several breaches by the credit bureaus as it concerns the FRCA. In our pending lawsuit for non compliance, we have named the following XXXX  XXXX XXXX NCAC Operations Supervisor XXXX XXXX CEO XXXX North Americas XXXX XXXX Vice President and Associate General Counsel EQUIFAX XXXX XXXX Senior Vice President Enterprise Fraud XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice president, Chief legal officer XXXX XXXX XXXX Executive Vice President XXXX XXXX Director fraud and identity management XXXX XXXX Vice President and division general counsel regulatory I am asking for all of the following accounts and unauthorized inquires be removed due to identity theft : Or we will be seeking Legal damages. I have opted out 5 months ago and have waived my rights for arbitrary agreement XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX /XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX   XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XXXX XXXX /XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX  inquires XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX credit central {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1600.00} XXXX   XXXX XXXX /XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX  inquires XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX