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

XXXX. ) XXXX  XXXX : XX/XX/XXXX account number XXXX {$20000.00} Called and sent dispute letters they said they were removed no actions have been taken. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX {$3000.00} called and sent dispute letters they said they were removed no actions have been taken XXXX. ) XXXX XXXX : Account number XXXX XXXX, XXXX {$7000.00} Called and sent dispute letters they said they will removed no actions has been taken. 
XXXX. ) XXXX XXXX : account number XXXX {$26000.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions were taken XXXX. ) XXXX : Account number XXXX {$4500.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX  : Account XXXX XX/XX/XXXX {$30000.00} card and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX  account number XXXX for XX/XX/XXXX {$30000.00} card I sent a few letters they said they will be removed no actions have been taken XXXX. ) XXXX. XXXX XXXX account number XXXX {$130.00} XX/XX/XXXX car and sent disputes they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX {$8100.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) Still in XXXX XXXX XXXX XXXX XXXX  account XXXX XX/XX/XXXX {$1300.00} caught and sent to spill I said this will be removed no actions have been taken XXXX. ) XXXX XXXX XXXXXXXX  account number XXXX XXXX XX/XX/XXXX {$1000.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) So fXXXX XXXX XXXX account see XXXX XX/XX/XXXX, $ XXXX {$520.00} I have called and asked for this to be removed they said that it would be removed no further actions have been taken
Product: Money transfer, virtual currency, or money service

I recently discovered that the default settings on VENMO makes all transactions public. I received a payment from a friend and clicked on his name. I saw his transactions, dates, to whom, and his notes ( not amounts ). We are both sophisticated financial professionals and never would have thought or consented to this disclosure. They should make the default private. There is no valid reason for them to be so dishonest and disclose anyone 's transactions with anyone else.
Product: Credit reporting or other personal consumer reports

This involves Experian. 

This past XXXX I needed to " unfreeze '' my credit reports from the three agencies in order to get a cell phone number from XXXX. After they were unfrozen Experian lost all my credit information and reported that I could not get a credit score because I had no credit. 

On their site they have lost all of my existing banking information. I called my bank, XXXX and they are as confused as I am. I have called and emailed Experian multiple times and can not get resolution or even a person to speak with. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and my wife and I have moved to XXXX XXXX. I am trying to fix this problem from afar and this doesn't help. I was never able to get my XXXX account but the hospital I worked at has agreed to keep my phone active until I can get this straightened out. I have the same email as I mentioned. My cell number in XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. My address in XXXX ( if you need it ) is XXXX XXXX XXXX, XXXX, XXXX, XXXX. On your form I listed my last XXXX address : XXXX XXXX XXXX, XXXX, XXXX XXXX where we have lived from XXXX  until this past XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So in the month of XXXX I sent validation and verification letters to transunion and XXXX  asking them to remove all of the accounts that were listed on the letters that i had sent them and they have still not fix the problem can you please look into this problem for me thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Leap is a solar company that forged my name and signature for a co-sign. I never agreed nor signed anything with this comapany.
Product: Debt collection

I am writing to bring to your attention a matter of concern regarding the reporting of inaccurate information on my credit report. I recently reviewed my credit report and discovered that the inaccurate information, continues to reflect inaccurate late payments. I had previously addressed and repaired this account, and it is disconcerting to see that inaccurate information persists on my credit report. 

Account Information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly request that you conduct a thorough investigation into this matter to verify the proper reporting of information on my credit report. I expect that you will take the necessary steps to rectify any inaccuracies promptly. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up-to-date information on my credit report, and I trust that your bureau will adhere to the legal obligations set forth by the FCRA.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as XXXX and Experian must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as XXXX and Experian. Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. XXXX and Experian are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Product: Credit reporting or other personal consumer reports

Ive discovered incorrect information on my credit report, which is governed by 15 USC 16c-2. I assert that this information is inaccurate and negatively affects my credit score. The inquiries listed were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX FOR {$450.00}, XXXX XXXX XXXX XXXX XXXX FOR {$460.00}, XXXX XXXX ON XXXX XXXX FOR {$620.00}, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX FOR {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX  AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Debt collection

I am in the process of going through XXXX XXXX XXXX to pay my debt that I have accrued over the past couple of years. They have set up a payment plan that will help me get out of debt in the next few years. I have been receiving calls from Synchrony Bank at my work number when they have my cell phone number as well. From what I understand it is illegal to call a person at work. They have done this repeatedly and sometimes they do n't even say anything and I can tell it is them because my office phone has caller ID. I have contacted XXXX them this and they gave me your website should Synchrony Bank continue to call my office phone. I was instructed XXXX to not take the call and give them their number and I have done so and they still continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I got locked out of my account from a XXXX  transaction, I called in to provide ssn, birthday, credit card number in order to regain access to my account, but they said unless i have my account number, which i never got a check book, they will not help. I need to access the account to pay bills and they are refusing to help with all the credentials I have given them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of XXXX XXXXXXXX of 12 month history along with the tradeline of {$600.00}. XXXX  XXXX denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of XXXX XXXXXXXX for transunion and XXXX. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor XXXX XXXXXXXX. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with XXXX   XXXX since XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. XXXX XXXXXXXX does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not transunion and XXXX. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs transunion and XXXX   have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on transunion and XXXX resulting in loss of age in credit history and fico scoring XXXX XXXX have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXX XXXX credit monitoring service as well as the XXXX report. I have an old account and another active account with XXXX XXXX  old account dating from XXXX that was settled and another that is active which is XXXX opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by XXXX XXXXXXXX to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from XXXX XXXXXXXX of 602 reporting the only cra reporting it.
Product: Checking or savings account

I deposited a check into my account. BOA put a hold on it immediately, without informing me. There were no grounds to put a hold on this deposit. They did not release the funds when they said that they would. Then, when they FINALLY released the hold, they blocked my account and debit cards do that I could not use my money-AFTER HOLDING THE DEPOSIT FOR 14 DAYS-THEY THEN FROZE MY ACCOUNT AND WOULD NOT GRANT ME ACCESS TO MY FUNDS!!!! After spending HOURS on hold with their incredibly INCOMPETENT customer service-they did nothing to remedy this situation. I received a FORM email from a XXXX XXXX to discuss the issues and I wrote him XXXX emails and called him and he never responded. This is ridiculous. It is theft, fraud, and discrimination. I have been a customer for over XXXX  years and I am never treated with anything buy contempt. BOA can find someone else do scam, because I am done.
Product: Debt collection

I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Please review below is the contact information. 

SOURCE RECEIVABLES MNG Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$520.00} {$520.00} Payment Info Original balance {$520.00} Balance {$520.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Credit reporting or other personal consumer reports

Amount {$120.00} Date opened was XXXX XXXX XXXX Account paid in full Response from Experian Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. 

Over XXXX and Experian will not remove from my report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Auto Loan opened by 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX XXXXredit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/XXXX, at around XXXX I went in to XXXX XXXX located at XXXX XXXX XXXX XXXX to see a car I was looking into purchasing. We ( XXXX- a XXXX employee, my brother, mother and myself ) sat inside to discuss purchase amount. I was presented the California Consumer Privacy Act form which I reviewed and signed. Form is attached. While in discussion with the sales rep, XXXX, I made him aware that I already had a preapproved loan and was not interested in financing. During discussion, he asked me questions one of which was for my social security number. Before providing it to him, I stopped him and asked Youre not running my credit, right? to which he responded No, this is being used in house. and followed with explaining it wouldnt be a hard inquiry and was just for their records. He was documenting all of these answers on his tablet. Later, I received multiple phone notifications from various credit monitoring services ; XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX- that hard inquiries were run against my credit. The inquiries displayed XXXX XXXX. When I started getting the notifications, I confronted them about why they were running my credit and where I authorized them to do that. As well as requested a copy of the form I signed that authorized to it. Another gentleman who had joined us looked confused and left to go discuss in private with XXXX. The on site manager came to our table and brought the California Consumer Privacy Act form I signed and said that this is the form that authorized the credit check. Upon reviewing again, I asked him to point out where in that document I explicitly authorized them to run my credit to which he said it doesnt say it exactly or something of that sort. I continued to push back because this form does not say anything about permission to run my credit. The manager came back and said that the form on the tablet is what authorized them to run the hard inquiry. However, I was never presented with anything on the tablet and definitely never signed, or even touched the tablet. I requested they provide me with screenshots of what was filled out on that tablet since I was never read anything, checked any boxes, signed or gave verbal authorization to do such credit inquiry. In fact, I specifically said they were not allowed to run my credit. The only form I was presented was the California Consumer Privacy act form. The manager screenshotted and printed out copies of the tablet form, including the terms and conditions which XXXX apparently signed without my knowledge. The second attachment is the screenshots the manager provided of the tablet form. Which again, I did not see, yet alone have knowledge of being filled out, checked and signed on my behalf. 

In summary, XXXX XXXX ran hard inquiries against my credit score after expressly being asked if they were running my credit to which they said No, and additionally, completed forms on my behalf without my knowledge that allowed them to do so.
Product: Debt collection

My complaint is regards to Trans Union reporting inaccurate information on XXXX XXXX XXXX consumer credit report. As of XX/XX/XXXX, this account with XXXX XXXX XXXX XXXX shows an open account. I have disputed this account multiple times, and I ask Trans Union, and XXXX XXXX to validate this debt. As of XX/XX/XXXX, Trans Union or XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX and spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for XXXX XXXX. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for XXXX XXXX. Also, reach out to XXXX XXXX XXXX I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to XXXX XXXX XXXX and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.