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

I never got a response back from the bureaus. I sent letters out in XX/XX/year> and received nothing to remove personal information that I don't want on my credit report, according to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also according to 15 USC 6802. No financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from the an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ), I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has closed all my disputes I filed with them and there are at least 28 fraudulent accounts on my credit report and I have send them FTC report by mail and they denied all of my disputes and told me all of these accounts belong to me .. Im a victim of fraud and they are not doing there job to protect me and fixing my credit report and not removing anything at all the following accounts that are fraud is XXXX XXXX XXXX XXXX, XXXX . 
XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX/XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute this over and over and Equifax is denying all of them within days super fast I send them police reports and FTC reports they are doing nothing!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$410.00} XXXXXXXX XXXX-XXXX {$1200.00} XXXX XXXX-XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX   XXXX {$720.00} XXXX XXXX   XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$720.00} XXXX   XXXX-XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX-XXXX {$450.00} XXXX XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}
Product: Credit reporting or other personal consumer reports

I purchased a 2020 XXXX XXXX on XXXX XXXX from XXXX XXXX XXXX. I was told that I was finished through a company called XXXX, they dealer originally used bait and switch tactics to increase the price of the vehicle by over {$4000.00} higher then the advertised price online of around {$15000.00} approximately. The dealer failed to secure financing after I had the vehicle for over a month. In retaliation to not securing financing the dealer decided to run my credit without my consent after a contract date of XXXX XXXX. This is fraud and improper use of my credit report. The dealer also tried to claim the added XXXX XXXX XXXX to my vehicle and it was a lie, it was fraud by deception, neither were installed on the vehicle. The dealer had no right to run my credit without my consent in hopes of lessening my chances at approval to other dealers. The dealer caused intentional economic harm that prevents me future economic and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  had inputted an inquiry on my credit report without my authorization.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these accountsunder Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains errors under 15 USC 16c-2. The listed inquiries were unauthorized. Please delete all unapproved hard inquiries. Thank you!
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 15USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX A : States I have the right to privacy 15 U.S.C 1681 Section 604 A : Staes 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 consumer report containing any of the following items of information any other than adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s- 2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This is the second time Bank of America has decreased my credit limit with no notice. I have been a loyal customer for years and have never missed a payment. I am currently working on my credit and this will ultimately hurt me as Bank of America decreased my available funds from over {$3000.00} to a little bit over {$100.00}. This card will be paid off within the next few months and I will be removing and closing all accounts. I can not continue to do business with a company that could care less about its customers and I will be sharing this on social media and anyone I can get my hands on. You dont kick your customers while they are down or try to push them down as they are trying to better themselves.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, and beyond, I sent letters to Experian requesting them to remove Bankruptcy from my credit report because I never consented to have any negative reporting to be reported on my credit profile. Furthermore, I contacted the Bankruptcy court asking them do they furnish Bankruptcy information to Experian they wrote me back a letter stating no, they do not furnish any information to credit reporting agencies. I provided the letter to Experian because per their response they advised the Bankruptcy courts furnished the information which was a lie. Please see the attached notice from the Bankruptcy courts. Per Experian again, they advised that XXXX XXXX was the company that provided them with the bankruptcy information. Per the letter I received from XXXX XXXX on XX/XX/XXXX, they investigated the information and the information has been removed from their company and they advised they have contacted the credit bureaus to do the same to no avail. Please see attached letter from XXXX XXXX. 

Lastly these accounts listed below were discharged in the bankruptcy and they all need to be updated to the correct status, which is, Discharged through Bankruptcy XXXXXXXX XXXX XXXX. 

Update these accounts to the correct status : Discharged through Bankruptcy XXXX XXXX/Never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was gifted a visa gift card {$100.00}. Which was purchased at a XXXX XXXX target the day of XX/XX/XXXX. I tried to use the gift card at store on XX/XX/XXXX and the card would not work at all. At first I thought it was a card problem until I looked further into the website for the balance and someone had already used my card at target two times of the amount of XXXX each. I then instantly called to get it disputed and person that assist me at first was nice and assisted me to complete a dispute. Weeks passed i got an email specifying that My dispute was granted and that the balance would be loaded back to the card. I didnt understand why they would load my card back if the card numbers were compromised. I called visa gift card services multiple times after I received that email on XX/XX/XXXX. The representative that I got were useless. They would hang up the phone on me and pretend it was disconnecting. I then called again waited to be helped for more than XXXX hour each time for the same thing to happen again. I was beyond frustrated and upset that no one would assist me. I then went to target to speak to the service engagement XXXX at the XXXX location and she specified that I needed to go to the target were the gift card was purchased along with my physical receipt and gift card to get a refund for the card. I went ahead and went to the XXXX XXXX location and asked to speak to the service engagement XXXX and I explained my situation and she said she could NOT do anything for me she said I had to go through visa. I advised her that I was just at another target and they specified that it was possible to get the refund but I had to be at the store that the gift card was purchased. It is very frustrating that no one can help me or guide me through the process of just simply getting my refund for my gift card. I am aware that this is happening a lot at target stores with people that purchase gift cards specifically visa gift cards.
Product: Credit card or prepaid card

In XXXX of this year I logged into my Milestone, Indigo, and Destiny credit accounts ( all owned by the same company ) to completely pay off each account. The day before scheduled payment, I noticed the payment had disappeared from pending transactions in one account and having checked the other two, noticed same. Thinking the payments had been canceled or simply not gone through, I scheduled the same exact payments again to ensure that they were made as I since acquiring these credit building cards I have had nothing but issues and seen an overall degradation of my credit. 

Previously, payments have never been processed on the transaction date, varying from 1 day to a week afterward. This time, however, they debited both payments ( 6 in total for the three different accounts ) leaving me with a negative credit balance. However, rather than return a single payment, both were returned, each with a returned payment fee, a reported late payment fee, as well as several fees for being overlimit. Their customer support did nothing, and when asked to escalate to a manager I was left on hold long enough to simply give up. 

I've since tried to make payments encountering issues every time. 

Most recently, I attempted to pay off all three accounts again, scheduling the payment for XX/XX/XXXX and the same issue occurred, again. 

Calling customer support on XX/XX/XXXX I was told that the Indigo payment could be seen and would be processed as well as the Destiny payment. The canceled and resubmitted ( created a new bank account solely for the purpose of closing these accounts but had selected a previous bank account ) Milestone payment was not showing. 

Reference numbers provided for the above : Milestone - XXXX payment not showing Indigo - XXXX - payment showing Destiny - was not given a reference number but told payment showing. 

I was told for Indigo & Destiny payments o that they usually withdraw funds 1-3 business days and that as this was Wednesday XX/XX/XXXX to expect it to be debited from my account that day or the next. I was further told that the Milestone payment was not showing and that I should reschedule a payment with them. I declined not wanting a repeat of the XXXX incident in which I incurred fees and a massive ding to my credit. 

However, as of XX/XX/XXXX, each of the three accounts is showing no payment being made with the Indigo account now reporting as late on my credit report leading to another XXXX decrease in my score. 

Further, another attempt at payment on the Destiny and Milestone card for the minimum payments due were made on XX/XX/XXXX for XX/XX/XXXX ( I took pictures and screenshots of the payment confirmations ) and the accounts are still showing as being in arrears. 

These accounts have now cumulatively cost my credit score to decrease by 150+ points and I simply want to have them fully paid off and closed as well as all fees reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

having problem with credit bureau and their reporting method on credit report on my credit file it state that i have  XXXX  public record that has been reported inaccurate this file is not accurate according to the fair credit these file is missing information on these bankrupt these reporting agency saying this account has been verified but the agency want provide for me their verification method i ask several of times this public record is missing information for as which date this account was dismiss, the amount place under bankrupt per fair credit account that on credit must be accurate or account has to be remove when thirty dayfair credit state that the reporting agency supposed to have a copy of all document on file im asking this reporting agency to provide me with copy of all document that suppose to be on file i have ask before i have n't received any information next step will be civil action for discriminating because the area i live im provide lower credit scores and defamation this credit bureau action is damaging to good of my reputation.
Product: Debt collection

The company XXXX XXXX XXXX XXXX shared my account information with a third party named Source Receivables Management of {$710.00} on XX/XX/2024. According to 15 U.S Code 6801 ( A ) my rights have been violated by the financial institution by not protecting my security and confidentiality of my nonpublic personal information. Also, according to 15 U.S Code 6802 ( B ) I would have to give XXXX XXXX the permission as I am the consumer to share my personal information to this third party which I didn't get the option to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

check # 1 written out on XXXX XXXX {$5000.00} pay to Barclays XXXX XXXX check # 2 written out XXXX XX/XX/2022, {$15000.00} pay to Barclays I called my bank and found out both checks cashed out on XX/XX/2022. 
I called Barclays and they said they haven't received the payments.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Inquiry : Company Name, Date of Inquiry My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 XXXX 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 personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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

RentDebt Automated Collections continues to report a derogatory collection account to my consumer credit file. At this point I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. I have learned that Credit Control is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.
Product: Money transfer, virtual currency, or money service

You sent me out a check that my bank didnt accept, I spoke with some one to reissue the check bc after I deposited it in my credit union/bank I wrote void on the check, I was told they could not see the XXXX XXXX XXXX seal so I am not able to take the check to XXXX now to cash it, sent a email explaining that and I spoke to a live agent not. So now this happened before the XXXX holiday 2024. So now Im waiting for the reissued check so I can take it to the XXXX XXXX