23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received multiple calls from an unknown number, which I did not answer. When the caller finally left a voicemail, she called herself XXXX XXXX, but did not identify her company. She told me to call back at XXXX XXXX as my 'case ' was being sent to XXXX XXXX. The same people then called my husband at his place of work and said they were trying to collect on an old credit card of mine that was written off over 10+ years ago. He said they were in violation of consumer protection laws by contacting him and told them to stop calling. The woman said she would mark this as a refusal to pay and claimed her company sent a letter, which I never received, in XXXX 2016. When I typed the number she gave into a search, I found several complaints about ARA XXXX, supposedly based in XXXX, IL. I contacted an attorney, who told me I need to get the company 's mailing address to file a law suit. He also told me to contact the FTC, which led me to this site.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
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, credit repair services, or other personal consumer reports

After reviewing my latest credit report, it is filled with a bunch of fraudulent accounts. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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. 

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 has violated my rights. Or 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: Money transfer, virtual currency, or money service

I sent XXXX through cash app to my bank account Dave. It was suppose to be an instant deposit. It never made it.. I waited and waited no money. I called my bank they said it didnt clear they sent it back to cash app claims it made it to my bank in which it didnt I did this for a week Same response every time.. my bank and cash app sent me receipts of the transactions but my money is lost and they wont do anything about it
Product: Credit reporting or other personal consumer reports

I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an investigation request by mail to TRANSUNION, XXXX and XXXX with non-response. Additionally on XX/XX/XXXX sent a SECOND NOTICE investigation request to TRANSUNION, XXXX and XXXX and as of XX/XX/XXXX I have not received a response or corirmation that my request has been received. 
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
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit 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 # ( private case number ) 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: Debt collection

I recently checked my credit report and found multiple accounts that I did not approve. Please block and delete these fraudulent entries without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold my charged off account to a collection company called XXXX XXXX XXXX. I have settled this account with XXXX XXXX XXXX and they have since removed it off my credit report. 

XXXX XXXX XXXX is still reporting on my credit report AND is still showing a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Credit reporting or other personal consumer reports

Experian violated my consumer rights under the FCRA, cease from reporting my personal information or I will seek legal action. I have a letter from the court of filling, as well as documents to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$23000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of the account listed below on my credit file. The account information is incorrect and misleading due to repeated and inaccurate charge-off entries : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Balance : Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/2022. 

This account has been listed as charged-off on a month-by-month basis in the payment history section of my credit report. A charge-off is a one-time event that should not be continuously reported as if it occurred multiple times. This ongoing reporting is inaccurate, misrepresents the account status, and unfairly damages my credit profile.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. By allowing this incorrect and repeated reporting, the credit bureau has failed to meet its obligations under the law.
Product: Checking or savings account

On XXXX XXXX XXXX  a withdrawal from a XXXX XXXX ATM was done from my account in the amount of XXXX. 
In reviewing my account on the XXXX over the phone I heard the transaction. I immediately called the bank and was told they couldnt help I need to go a branch. I when to the branch and spoke to a lady and the branch she pull up my account and told me the transaction was done with my card and PIN number I showed her I had my card d and I didnt make the transaction. She said would cancel my card and issue me a new one and the matter would be investigated. I waited another 10 days and still didnt hear anything. I call and was ask for a claim number that I didnt have because the women didnt give me one. The person on the phone told me to call my in another day and ask for a claim number. I got really upset and started calling different departments at TD. I wrote a complaint to XXXXXXXX XXXX XXXX  and outline my complaint. I received a phone call from XXXX who informed me my claim was denied because my PIN number was use and thy checked the chip. I was insulted because I knew I didnt make the transition and had the card. XXXX told me to contact XXXX and give me the information referring to the transaction ie the number that was listed on my account for the transaction. I contacted XXXX and they were very nice but couldnt understand why the fraud dept from TD didnt contact them. They couldnt help me because I wasnt there customer. I try again to get TD to contact XXXX so the fil could be reviewed and show the transaction was not made by me. Its been greatly publicized that scammer can duplicate card an obtain PIN number in many different way. TD will not acknowledge thats this could happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it when I first noticed the faurd I contacted XXXX XXXX right away and let them know.
Product: Debt collection

I have contacted XXXX several times letting them know that they have reported the same bill twice to XXXX XXXX. Also the bill has been paid by Medicaid after contacting XXXX XXXX XXXX they claimed to have reported payment to XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Medicaid paid back to my XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, Nelnet and XXXX reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Product: Checking or savings account

I tried to do a mobile check deposit with a settlement check that was drawn under they're bank, Wells Fargo! The account was in good standing & the check had been verified! I still was unable to deposit this insurance check drawn under an account at Wells Fargo!
Product: Debt collection

I received a copy of my credit report and found the following to be errors. Here as follows are items in error : Medicredit {$230.00}
Product: Student loan

I have student loans through Great Lakes Educational Loan Services. On XX/XX/2019, I submitted a custom payment ( on top of my monthly due of {$700.00} ) to pay off the balance of a loan ( token 25 ) in the amount of {$1100.00}. This money was misallocated and divided across my other loans. 

On XX/XX/XXXX, I tried to pay off the balance of Loan # 25 again, along with another loan ( token 19 ) in the amounts of {$650.00} ( for # 25 ) and {$280.00} ( for # 19 ). I have proof of these requests in my account, however, the payments were still missallocated and distributed to other loans. This is causing me a lot of stress as I want to pay off my loans and stop adding interest but they aren't allowing me to do that.
Product: Credit card or prepaid card

On XX/XX/2023, I erroneously paid a Merchant, XXXX  XXXX, for {$1000.00}, which I informed American  Express, several times on several ocassions, by telephone and in writing. 

XXXX XXXX XXXX XXXXXXXX, XXXX  and XXXX XXXX XXXX XXXX never contested my claim or disputes but American Express insisted on charging or debiting my Credit Card ending in XXXX, acting as if they the third party collector. 

I consider this repeated action, pure and simple harassment which is tantamount to violations of Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX CREDENCE RESOURCE MANAGEMENT account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX  XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have refused to comply with laws set forth by the FCRA. The agencies are not doing a complete investigation into the obvious problems in question disputed by me the consumer. They willfully continue to furnish incorrect student loan information reported by Nelnet on my credit report. Such false information being furnished has caused me to lose out on countless opportunities to advance myself and my children to the next level. The agencies are furnishing transactions and experiences that the credit agencies never got my written approval to furnish. Nelnet has been reporting my account incorrectly as open and it has been closed and transferred to a new servicer. They are also reporting experiences and transactions in the form of inaccurate late payments. Please delete this entire account from my credit file. I have never authorized credit agencies to furnish any of my personal transactions with Nelnet.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.15 U.S.C 1681 section 602 A. states I have the right to privacy. If the situation is not remedied I will be filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit percentage has not been updated currently. I had the same credit score for almost two months with no updated account information. I paid off all collections accounts in full within the 2 year agreement. Over 100 points was taken and promised to be put back on my credit report by creditors if I paid within the time. All my credit accounts are paid below XXXX percentage. XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Experian, XXXX is not updated my credit score. My perception is that I am being discriminated against because I am Women over 40. This is hindering me from getting any future credit cards, loans, to purchase a home etc. if I were to use any accounts they would decrease my score in minutes.
Product: Credit reporting or other personal consumer reports

I received a letter in XX/XX/year> stating that I had been part of XXXX XXXX people that were affected by a data breach for XXXX XXXX or XXXX XXXX The letter had an engagement number on it although I lost that letter but I did in experian identity that was provided to me by XXXX XXXX XXXX and {$1.00} XXXX policy however never paid out, Ive been through homelessness with no vehicle back to an abusive situation because I didnt have the credit score to support any kind of living situation. My children are now living with my mother and I need to buy a house currently. My credit score is gone from a XXXX to less than XXXX at times they were over 300 inquiries on my credit report on each bureau. All of my credit accounts were taken over my bank account was taken over and all yall did was provide me with a measly {$1.00} XXXX policy that never paid a XXXX XXXX. I have made two claims that were valid and shouldve been paid with experience identity Work that was provided to me by XXXX XXXX or XXXX XXXX XXXX now Im told that I cant even contact the legal department. The year was Experian XXXX works us up and all Ive done is remove 270 inquiries in XXXX fell swoop, which tells me they couldve done that with all of these credit accounts I made two claims with Experian identity works that I want paid out by XXXX XXXX XXXX because they are responsible for every single thing that I am talking about
Product: Checking or savings account

I spoke with my then personal banker again ( XXXX XXXX ) in regards to deposits & excessive fees to my checking account, and the last time we spoke in regards to my account, she agreed that my account had been compromised and the correct deposit for reimbursement was never added to my account. Instead she was promoted and my account was closed by Prosperity Bank.