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

Notice to Agent is notice to principal notice to principal is notice to agent. 

This is the final and last time I am notifying you of excluded transactions and history being illicitly reported to my consumer report. I have also reviewed my agreement with " XXXX XXXX '' and I am enforcing my right to OPT- OUT as explained in FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( b ) OPT-OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have notified you of the FCRA laws in a previous letter, but these laws have been recklessly ignored and violated. I will dispute XXXX XXXX and any consumer reporting agency that violates these laws in court if they are violated again as said in the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
My history with XXXX XXXX, must be removed from my consumer report immediately in Pursuant to the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ).

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

The laws states, the consumer report does not contain " Late payment or late payment history. Any more reporting of information based solely on transactions or expenses will need to be settled in court for remedy. After updating my Consumer Report please provide me with an updated report reflecting the removal of this account as it is illegal by the FCRA and once again I am enforcing my OPT-OUT. I am not requesting for Validation or Verification.

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 


Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I still haven't received a response. I feel as though I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so the items should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Credit Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus and JPMCB CARD but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 

( JPMCB CARD XXXX )
Product: Credit card

I am deeply disappointed by the way this has appeared on my credit report. I have never missed a payment, and I work tirelessly day and night. It is unjust for you to damage my reputation as a consumer in this manner.
Product: Credit reporting or other personal consumer reports

Another person was using my information for open credit card accounts and another account, please remove this from my credit report XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX XXXX - # Account # XXXX XXXX - Account # XXXX
Product: Money transfers

I have been scam on a XXXX scam. I was selling my guitar for {$200.00}. A person contacted me said his name was XXXX and wanted buy my guitar. He sent me a Cashiers Check for {$1400.00} saying the extra money was for his movers. He requested I send the extra money {$1200.00} to his movers via XXXX. He had me send it to XXXX Maryland XXXX. XXXX number he was texting me on is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I left my apartment in Texas to join a XXXX XXXX program in Utah on XX/XX/XXXX. At the time, I was living in an apartment in XXXX, TX. I had lived there since XX/XX/XXXX. When it was time to renew my lease in XXXX of XXXX, I explained to the XXXX ( XXXX XXXX ), that I would be leaving for XXXX XXXX but I was unsure of the date as they were waiting for an opening. I explained to him that there would be little notice given - that they could call and say they have a slot, and I'd have to be there in a week or so. He said that regardless, I needed to sign another lease. Not knowing any better, I complied. 

I was notified the first week of XXXX that I needed to be in Utah on XX/XX/XXXX to start the program. I notified the apartment office that I would be leaving. The weekend before XX/XX/XXXX, I moved out. I had no other choice. I literally caught a flight to Utah that Monday morning. My parents completed the move-out for me. My father moved the furniture out, and my mother cleaned the apartment. The rent for XXXX was paid. 

The apartment complex is XXXX XXXX XXXX. 
They said that I now owe {$1700.00} ; comprised of unpaid rent for the rest of the lease period, relet fees, move without notice, and various cleaning fees. I explained that I am a full-time student and have no income. Prior to that, I was literally living paycheck to paycheck. There is no way I can pay that. I was advised that within 60 days, the debt would be turned over to collections. 

After I moved out, XXXX XXXX  called me about this several times, and they called my parents as well. I asked them not to call me during the day ( I'm in class ), and not to call my parents at all. 

My mother went to the office of XXXX XXXX  on XXXX occasions and offered to write a check to settle this. They refused to discuss anything with her, acted like they had no knowledge of the situation, even though they had been calling her about it. 

In early XXXX, the debt was turned over to XXXX XXXX collection agency, but the amount is different from what XXXX XXXX  quoted me. The collection agency also called me despite my requests to cease, and they called my mother as well. 

I do not agree with the charges that XXXX XXXX  says I owe. I notified them that I would be moving as soon as I knew, and was very honest about the entire situation. I do not feel that I owe XXXX months of rent, as I know the apartment was rented again right away. Likewise, I do not agree with the cleaning fees because XXXX ) I know that my mother cleaned the apartment and XXXX ) cleaning carpet after a move-out is a normal practice and should be expected, and not a sign that I did anything wrong. The carpet looked fine. 

Additionally, I do not understand why they would not negotiate with my mother in person when clearly they wanted to discuss the matter with her on the telephone.
Product: Credit card or prepaid card

Direct contact is not possible. They accept mail and chat bot. In the past 45 minutes, I have performed the Pavlovian game of calling customer service, each call results in waiting for a disconnect. How many times is reasonable? 

It is not possible to access the account online. I was solicited using XXXX XXXX. I signed up using XXXX XXXX. I am told that I can not access my account thru XXXX XXXX. I am told that I must buy a smartphone and use something called an app. I choose not to participate in the destructive and abnormal behavior of carrying a security disabling, privacy broadcasting, advertisement delivery device. Plus I am essentially blind. Venmo solicited my business in a deceptive manner. I can not access any information about my account. Even if Venmo corrects their refusal to accept incoming calls, I should not have to call Venmo to access my account. This is the 21st century. 

Please note : I know that this is a game. I know that Venmo faces no consequence for any deception, fraud, or malfeasance. I know that this process is pro forma. The people will rise.
Product: Credit reporting

XXXX XXXX is reporting a debt that is too old to be on my report to Transunion there are multiple inaccuracies being reported such as the date of last payment and the date it was closed. I have disputed it through Transunion multiple times and keep getting the same response that it has previously been verified. This same account has been removed from XXXX and XXXX due to age and inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support removal I have check my credit report and seen the 3 credit bureaus EQUIFAX, XXXX, XXXX have reported child support on my credit profile without my authorization & I will like this deleted & will sue {$1000.00} for every error on my report if not fixed within 30 days this has stopped me from getting a house and is hindering my life Accounts XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence PLEASE REMOVE ASAP Sincerely XXXX XXXX
Product: Debt collection

On XX/XX/2019 I spoke with leasing agent XXXXXXXX at the XXXXXXXX XXXX XXXXXXXX XXXX XXXX, I needed to give my 30 day notice to vacate since my lease was going to terminate on XX/XX/2019, she then advised me to sign the form Notice to Vacate which I did and she advised me my move out date would be XX/XX/2019 ( 30 days from the date I gave my notice ) and for me to call her on XX/XX/XXXX so that she can give me the amount I would need to pay for those 12 days of XXXX 's rent. XX/XX/2019, I call the office and ask to speak with XXXX, they proceed to tell me she no longer works there so I get transferred to XXXX XXXX Property Manager, she then tells me that XXXX was wrong in advising me that my move out day was XX/XX/XXXX, I would have to stay the whole month of XXXX and be out by XX/XX/XXXX. Which I explained to XXXX that I was not informed correctly and that I should not be held accountable for the leasing agent 's mistake, she then agreed with me and stated they would honor the Notice to Vacate form and pay {$370.00} for the 12 days of XX/XX/XXXX 's rent ( which I did, and have proof ). I move out XX/XX/XXXX, as per the agreement. XX/XX/XXXX comes around and I am being harassed by IQ Data International a debt collection agency stating that I had broke my contract with XXXXXXXX XXXX XXXXXXXX XXXX and I owed {$1500.00} dollars! I proceeded to let the collection agency know that I did NOT owe that money and that I had given them proper notice to vacate, the collection agent XXXX XXXX was extremely rude and unprofessional literally yelling at me saying I owed and I needed to pay at that moment! On XX/XX/2019 I spoke with property manager XXXX XXXX again and she reviews the charges with me in her office takes a copy of my Notice to Vacate form and stated that I did NOT owe {$1500.00} and that indeed no contract was broken. She advises me she will fix the problem and for me to ignore the collection calls. XX/XX/XXXX comes along and see that the debt is listed as collections debt owed on my credit report! On XX/XX/2019, I speak with XXXX the leasing agent   and ask to speak with XXXX the property manager and she tells me she wont be in until Monday. Monday comes along I go in and not see XXXX I then proceed to ask XXXX when she would be in the office? XXXX then proceeds to tell me that XXXX no longer works there and she will see what she can do for me. We are approaching XX/XX/XXXX and the debt is still there on my credit, I disputed the collections and I still haven't received one phone call from XXXX or anyone from XXXX XXXX  XXXX XXXX to have this issue resolved. I am running out of options here and I need this debt to be removed from my credit a soon as possible since I am not responsible for the leasing agent 's mistake. I gave my proper notice and they should honor it. This has caused my credit score to drop significantly.
Product: Credit card

On XX/XX/2023 I attempted to purchase two window installations from XXXX XXXX XXXX as a result of a door to door solicitation. However, the Company fraudulently charged by American Express Card for a deposit of {$8300.00} for window installation throughout my house. Additionally, I never received any windows from the Company. .I promptly notified the Company and American Express that I never authorized these charges. Furthermore, my credit limit at the time of the transaction was only {$4700.00}. To date, Amercian Express has refused to credit my account or provide an explanation as to why they would arbitrarily increase my credit limit to {$8300.00} for this transaction without my personal request, knowledge, and consent.

As a senior, I have never felt so violated and taken advantage of. To be clear, the Company has taken and refused to refund {$8300.00} for windows that I never received and American Express is refusing to credit my account. Adding insult to injury, my Amercian Express account is accumulating interest and late fees all to my loss and damage. 

Please so kindly assist in the resolution of this matter. I am seeking a full refund from XXXX XXXX XXXX to clear the fraudulent charges on my American Express card or a full credit of these charges by American Express and any further appropriate relief. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law. The errors that require immediate attention include, but are not limited to : XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same. 
15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the XXXX XXXX XXXX and Federal Trade commission. 

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Demand for Immediate Correction of Disputed Accounts Dear Experian, Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate and unverifiable accounts remain unresolved. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging systemic issues such as : Failing to forward consumer-provided evidence to furnishers. 

Inadequately notifying consumers of dispute outcomes. 

These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided. This inaction has caused ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts. XXXX inaction violates federal law and my rights as a consumer. Please confirm in writing when the corrections have been made and provide an updated copy of my credit report. 

Failure to resolve this matter promptly will result in a formal complaint with the CFPB and consideration of legal remedies under the FCRA. 

Sincerely, XXXX XXXX Addresses XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account nameXXXX XXXX XXXX  Account XXXX Account nameXXXX Account XXXX Account nameBANK OF XXXX Account number Account nameXXXX  XXXX Account XXXX Account nameXXXX  XXXX Account XXXX Account nameXXXX  XXXX Account XXXX Account nameXXXX XXXX XXXX XXXX Account XXXX BANK Account XXXX count XXXX Account nameXXXX Account XXXX Account nameXXXX XXXX XXXX Account XXXX Account nameXXXX Account XXXX Account XXXX & XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX Account XXXX Account nameXXXX XXXX XXXX Account XXXX Account nameXXXX XXXX XXXX Account XXXX Account XXXX & XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have properly disputed multiple times with XXXX, Equifax, and XXXX because they are not my accounts.There is now way these erroneous accounts were actually " verified ''. I have now filed an identity theft report with FTC in regards to identity theft ( attached ). My information has clearly been compromised and possibly merged with another person 's file. 

Also, in accordance to the FCRA, the following accounts are in direct violation of my consumer rights : XXXX XXXXr - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Reference # XXXX XXXX XXXX  - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX All accounts listed above are in violation of the following consumer laws : 15 U.S.C 1681 section 602 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b section 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to it relates.

15 U.S.C 1681c section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have attached FTC report and XXXX report.