23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Every disputed account currently reporting on my consumer report is inaccurate and must be removed. Each negative alleged account is reporting inaccuracies and errors, constituting grounds for removal under the direct violation of 15 USC 1681 for reporting inaccurately. I request a thorough and complete investigation of my credit report ; please do not limit it to the eoscar system, as my financial well-being relies on maintaining good credit. Every inaccurate account is unauthorized and requires immediate removal. 

This debt collector and credit reporting agency have engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They reported an account without our agreement, and I did not sign any agreement. A legal contract involves the participation of both parties, and I was not part of any such agreement. Furthermore, they failed to follow the proper 5-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights have been violated
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXXXXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX acct # XXXX, XXXX acct # 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
Product: Credit reporting or other personal consumer reports

According to my credit report with Experian, Experian shows that I have a XXXX day and XXXX  day late payment with XXXX / XXXX XXXX. This is incorrect information. Fraudulent charges were made with my XXXX XXXX card in XXXX, XXXX. Upon filing a fraud claim with XXXX XXXX, XXXX, XXXX, I was instructed that I was not responsible for paying those charges while they conducted the fraud investigation. I cancelled my card in XXXX, XXXX. Despite the fact that I have provided Experian with documentation from XXXX XXXX stating that I was not responsible for paying the charges on my account because they were involved in the fraud investigation and documentation that the fraud investigation did indeed find that I was not responsible for paying the money charged to my card, they will not correct this on my credit report. Other credit reporting companies have made the correction. I have filed XXXX disputes with Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and provided them with documentation directly from XXXX / XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$860.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$200.00} XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2400.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$15000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2000.00} XXXX. XXXX XXXX, XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$5000.00} XXXX. XXXX XXXX, XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$920.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3900.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3900.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$220.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$300.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$520.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2600.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$610.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX IN - Date : XX/XX/XXXX XXXX. XXXX XXXX IN - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Debt collection

I spoke to account services with American express... .account ending in XXXX ... in XXXX XXXX payments were made, one for XXXX and another for XXXX in XXXX American express withdrew XXXX .... my balance was XXXX. These payments reflect an overcharge... .yet when I addressed this to the account service they state that there were interest charges as well.all total XXXX was paid to American express . I got no XXXX statement so that should indicate that the account was paid. Also the representative that I spoke with was rude... .stated we went thru this yesterday. I don't think he wanted to take the time to look into my concern and just stated Interest charges was included in the account... XXXX dollars of interest charges ... ..!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  As Follow Below : 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: Debt collection

The company stated I owed the remaining balance but I paid off my balance before getting more car insurance. They tried to add another balance on after the fact. Havent had this insurance in a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My charge off account from 2013, has been listed on my credit report multiple times, the company XXXX XXXX, XXXX, XXXX XXXX, is the same company but they report they transferred it only to add a charge off again and lower my score. 
I have disputed this account with the credit bureaus and XXXX XXXX has Responded with it's correct information, which means they lied and I can file a lawsuit I want this off my credit report, they need to be investigated, they did this to my wife also.
Product: Vehicle loan or lease

On XX/XX/XXXXXXXX XXXX XXXX  I single mom and my XXXX XXXX XXXX daughter entered XXXX XXXX XXXX XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX I worked with the manage XXXX. The conversation between XXXX the manager and I was understood that if I came into the dealership he would allow me to test drive some vehicles. I enter the dealership in my XXXX XXXX. I test drove the XXXX XXXX XXXX and like it. He had me fill out a credit application and I did with the belief and hopes that he would either get me a fair trade. The XXXX XXXX was listed at XXXX. He change the price and sent my information to several creditors carelessly and lied about my the amount he paid me for my XXXX XXXX. He tried to explain to me i had negative equity in my XXXX XXXX XXXX, but he reported to the creditors my car was worth only the amount I owed. He admitted to lying to the creditors about the trade in value of my XXXX XXXX XXXX so he could make a profit. He changed the price of the XXXX XXXX from what was advertised. He charged me XXXX more than the worth XXXX the XXXX XXXX. I explained to him I was very uncomfortable, yet he not only continued to pressure me to trade in my vehicle, he invited another salesman over and used fraudulent sale tactics to get me to sign. By this time my daughter is crying and both XXXX and the sales manage were making my environment hostile. Because I felt like a hostage and the salesman and dealership manage would not let my daughter and I leave gracefully. I signed the papers and went home. I realized I never received copies of my signed documents. I felt even more immediate uneasiness. I headed back to the dealership at XXXXXXXX XXXX XXXX XXXX XXXX. I asked to return the vehicle because of the fraud of the trade in. I was with my XXXX XXXX XXXX daughter. The manage XXXX explained the only way he would trade me back my XXXX XXXX and take back the XXXX XXXX XXXX was if I paid him {$5000.00}. He explained that is how much money it costed him the night before to change over my title and license plates. I told him I didn't have {$5000.00}. He said he could not help me and if I needed additional information I needed to wait for the creditors to send me a bill and to talk to the creditors. I ask for the cooperate office contact information and he refused to give me a cooperate member to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years. 

15 USC 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

XXXX XXXX, EXPERIAN, XXXX, XXXX  XXXX IS IN VIOLATION 15 U.S. Code 1679c
Product: Debt collection

XXXX, Midland Credit and who lives near me inquirying my workplace. Workplace hiding reason for hiring. XXXX XXXX XXXX. Via Nurses indirectly by spouse or family ties. 
Setting up and abusing for their own pleasures. Nurses using Substances of catalogs and Midland credit gesturing towards selfish me when it is selfish them! I decided to check out XXXX reason for getting the catalog mailed to my place there are others too! Bought only {$200.00} of which went down to {$100.00}. XXXX when Covid-19 hit. Attempts to pay went to the side in efforts to obtain reemploment. Going through XXXX nurses blocked me since I choose my life ways and was not the XXXX nurses who stalk and scheme via merchandise and proceed to attack via peering into my spending with a tracking device on my body. Midland gestured and taunted with me taking a screen shot of an obvious taunt when my charges went down to {$140.00} and computer getting stuck doible payment did not show. These telephone aides were not explaining anything as showing payment and Road the lies at me. One went as far as tell me to get the facts with no comments saying payments applied. 
I took the screen shot that disappeared out of my phone as it is proof stalking and novas Ive ways proceeded using my date of birth and name to get into my phone computer in google lines. Thus my gmail froze up besides changing all banking more then once since Midland credit lobed onto my payments. Midland is dirty dealing and gestures gaming to be abusive and rude, including using my employer to obtain for themselves the goal of XXXX acts. To ask me to remember my conversation is also to remind them what they did not do. Spit out who they represent instead of upfront paying A BILL. XXXX acts are not allowed if Unions and predator practices are used. 
I therefore claim Midland and bill collectors tactically destroying this country for themselves. Taunting, scheming, stalking and breaking into peoples lives to be XXXX themselves with the misering minds they stand up for. did
Product: Credit reporting, credit repair services, or other personal consumer reports

When I opened this dispute, I didn't realize I would be punished for doing so. In effect, I have been. 

After the dispute, nothing changed on my report except for the " On Record Until '' date. Before the dispute it was XXXX, XXXX. Now, after the dispute, the " On Record Until '' date is XXXX, XXXX. 

So now I have to wait an additional 5 years for this to be removed from my credit report, JUST because I opened a dispute? 

Can you please just reset it to what it was, so that the report is removed from my file in 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  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, 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 accurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card

On XXXX XXXX An account opened with American express for a credit card in the Amount of {$1000.00} was opened in my name XXXX XXXX XXXX XXXX XXXX  with out my knowledge or consent. and mailed to the Address of XXXX XXXX XXXX XXXX XXXX XXXX a home in which i have never stayed but was being used to create a false identity using my personal information and have goods mailed in my name. I have tried to reach out to this company about this matter concerning this fraudulent account several times. I was hung up on or Ignored all together when talking to customer service representatives for this company. This company has received a copy of the police report filed by me at my local police station and FTC Report from the Federal Trade Commission naming this account as fraudulent but still is trying to collect this debt and is still reporting this debt to the 3 major credit bureaus making me ineligible to obtain housing or reliable transportation due to this companies negative reporting of this fraudulent account. This company has Ignored all Requirements of its obligation of furnishers under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 section 623 I have tried all that i can, but these companies do what they want.
Product: Checking or savings account

Usaa took my XXXX stimulus payment. The account was overdrawn due to fraud. I filed a police report because I was a victim of fraud. Usaa knows this.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations never late : ALLY FINANCIAL XXXX address not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this
Product: Credit reporting or other personal consumer reports

Transunuion has allowed XXXX XXXX to post deb from XXXX credit that does not belonbg to me on my credit report. Not only does the debt not belong to me but the infomation about the debt has absolutely no details other than the ammount, and date reported. XXXXXXXX XXXX  has not notified me of this debt nor can it be verified because it does not belong to me. I called transunion to dispute this debt when i got an alert on XX/XX/XXXX and the lady i talked with about disputing this debt told me that because this was just reported that day from XXXX that i would have to either wait 30 Days to file by mail or i could dispute it online. Well I disputed on line but it only provides multiple choice reasons that they have obviously chosen for your dispute to fail. They do not give me the option to request how debt will be verified and how the investigated. These credit reporting agencies are corrupt and benifit from keeping our scores low so we are forced into subprime intrest with the compnies they get paid from.I had been a victom of identity theft years back and tyransunion refused to remove the accounts even when I submitted all proper documentation twice. I kept gettiong letters and emails stating that I did not submit proper paperwork. So I filed identity theft again for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that 3 public records ( bankruptcies ) be removed from my credit report. Also providing proof that the bankruptcy court did not furnish this information to the credit bureaus.