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

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX A IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : You Violated the United States Code Law 15 U.S.C 1681 ( c ) ( 1 ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and I'm entitled to monetary compensation under FCRA 15 U.S code 1681s-2 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction that is not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person with a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer. Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES XXXX TRANSUNION AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXX payment .IT WAS PAID XXXX 9,2017 check the records
Product: Credit card or prepaid card

I made purchase in best buy on XX/XX/14. Because they have ads on their page for cradit card apply, will get 10 % cash. 
The original text of the ad isApply today and XXXX % back in rewards on your first day of purchases when you are approved for the My Best Buy Credit Card.

Now I have other credit card in my hand from XXXX XXXX These credit card cash back all can use to pay credit card bill, or transfer to checking account.

So when I saw this, I think the best buy credit card is same way with cash back.And I apply it on sameday. 
Now I have {$150.00} dollar cash back, I want to use it to pay my credit card. But they said these {$150.00} can only use purchase in best buy. 
I believe this already violated my right to know and my right about authority dispose of cash. 
Please help me defend my rights
Product: Credit reporting, credit repair services, 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 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: Checking or savings account

My name is XXXX XXXX and a resident of the State of Virginia. 
On XXXX XX/XX/2022, my bank, Navy Federal Credit Union, headquartered in XXXX XXXXVA , allowed fraudsters to siphoned over of {$20000.00} in my Checking and Saving Accounts. 

This criminal activity is the 3RD TIME WITHIN A YEAR THAT HAD HAPPENED BUT THE BANK HAS DONE NOTHING TO PROCTECT MY INTEREST/MONIES AFTER PERSONALLY WRITING A DETAILED/LENGHTY LETTER TO THE CEO OF THE BANK, XXXX XXXX. 

As I write this complaint, the bank has not refunded my stolen money - over {$20000.00} - into my accounts. I please need the help of the CFPB to help me retrieve my money and also look into this as I believe is an internal criminal activity within the bank. 

My account was not put on any HEIGHTENED ALERT after all these series of break-ins.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report and found a collection account for {$100.00} for XXXX when I called the company they have no one listed with my social security number having a bill. I requested for Transunion to remove this collection account from my report since I had no knowledge of it and XXXX could not produce anything in my name or social. I disputed this item with Transunion Theough XXXX XXXX and received a generic email stating i change was made to my report because the account was reporting accurately. Transunion has failed to provide any proof this collections account belongs to me and to bear proof of my written signature showing proof of an account or service. I am requesting the collection account be removed from my report if they can not provide such proof.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam that I did not know was a scam. I met someone on a dating site and they said they were in XXXX Military person who said he was trying to get to the US. 
He said he had a credit card that had millions on it and he needed my help in getting the card to US. He would give me money if I helped him. I feel so bad about what happened. I understand that I was fooled by this. 
I should have never got involved but I did. My bank was WellsFargo and I sent money to an individual who I think is XXXX XXXX XXXX from Virginia. Money was sent thru XXXX. 
I contacted a detective from my county which is XXXX XXXX in Maryland. WellsFargo will not give up any information and XXXX said they have no record of what was sent. Detective couldn't help me. 
I have the transactions outlining what was sent and received. The email address I used to send to XXXX XXXX was XXXX. Between the two banks someone has to know who received the funds. I was told to use XXXX on the account which was told by the scammer because his name is XXXX XXXX XXXX. Of course I would love to get my money back but the main thing is to catch this scammer to stop him from doing this to someone else. I have attached the transaction sheet. The scammer verified with me that he did receive the funds every time I sent them.
Product: Debt collection

On XX/XX/2022 Capital Accounts sent me a collection saying I owe them {$3000.00} with added interest of {$430.00} resulting in the amount of {$3400.00} I replied back via certified mail on XXXX2022 asking them to validate the debt that they are saying I owe & to cease any credit bureau reporting until debt is verified by me. They then send back a bill of service fees. On XX/XX/2022 I sent a 2nd debt validation letter stating that thats not enough to valid a debt saying I owe to please send evidence proof of the allege debt including specifically the alleged contract or another instrument bearing my signature. They didnt comply, sent the same bill of service also put the collection on my credit without me verify the debt and still adding interest
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted letters to all three credit bureaus ( XXXX, XXXX, and Experian. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FL-XXXX account as they do not belong to me and should not be on my credit report. I received a response from Experian on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including Experian are still showing all of the accounts on my report and none deleted. Experian mailed me the first response saying this has been deleted but it is still showing on all three credit reports.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number: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: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/2019, I attempted to get new car insurance through XXXX. Everything was fine until they reported that I had two speeding tickets that I had not disclosed. I do not have any tickets, XXXX told me I had to file a complaint with LexisNexis to get the information corrected. Meanwhile I had to pay hundreds of dollars more for my insurance to get it started. I filed the complaint with LexisNexis and they told me it would take a month to get corrected. It was more like almost two months. On XX/XX/XXXX I finally got the " corrected '' report from LexisNexis. They had indeed removed the fraudulent tickets from my record, however they left this other person clearly shown on my report in six places on the report. I called them back to file another complaint, I asked to have this other person completely disassociated with my record. That IS NOT ME! They said it will be another month. I called back mid-March to be told that nothing had happened and they were filing ANOTHER ticket to have this other person removed, and it would be yet another month. I called back over a month later, on XX/XX/2019 to be told that nothing has happened and they wanted to file a third request to have this person removed from my records. I requested to speak to a supervisor because I can not understand why this hasn't happened already with the two previous requests. A discussion with a supervisor takes 1-2 business days, so I am now awaiting that call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my consent to open or attempt to access these accounts. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to block and delete these fraudulent items.

Fraudulent Accounts to Block and Delete XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$2600.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Date : XXXX - Amount : {$2100.00} XXXX XXXX XXXX Account Number : XXXX - Date : XXXX - Amount : {$0.00} Fraudulent Inquiries to Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

The original agreement between us includes an arbitration clause that requires any dispute related to the validity of the debt or reporting to be resolved through arbitration. I demand that this matter be resolved pursuant to this clause and request that you initiate the arbitration process with [ Arbitration Provider : e.g., XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX  ) ] within the timeframe specified in the agreement.
Product: Debt or credit management

On XX/XX/XXXX signed up for experian for a 7 day free trial. I had completely forgotten to cancel my membership. I woke up this morning and I was charged {$24.00} XXXX contacted experian and the representative told me she is unable to refund me {$24.00} I said ok since you are refusing to refund me I will be contacting my bank to dispute it and I ended the conversation. I contacted chase and XXXX told me that the transaction is pending and to wait until it posts for a dispute to be filed. If experian isnt going to help me I will be contacting my bank to get my money back and Im never using experian again.
Product: Credit reporting or other personal consumer reports

I enrolled the wrong payment account via XXXX XXXX XXXX verification portal. I enrolled my savings account rather than my checking account and due to this error the payments I was making were being returned and not posting. I didnt realize the mistake until I had already resubmitted payments 3 times and was assessed return fees. Here are the dates : XX/XX/2024 {$60.00} & {$100.00} XX/XX/2024 {$430.00} & {$440.00} new account I added a new account but I had to use the manual feature once I noticed the error and immediately brought the account current. I have requested via phone calls and letter that they remove that 30 day late reporting to the XXXX credit bureaus but they declined due to it not being their and it being late. I dont feel this is a true reflect of my consumer history. I have not had any late payments in over 20 years. I even asked to speak to someone form their credit reporting department and was denied because they dont take calls. I write letters to the 3 credit bureaus too and no response has come yet. I was in the middle of purchasing my late fathers home and due to this reporting the lender doesnt want to extend the loan if I cant get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # 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 f urnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report. I have listed them and also the police report with FTC report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company is reporting aggravated identity theft. The company also hasn't paid my invoice sent to them for violations
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6600.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Debt collection

XX/XX/year> XXXX pm flight on Frontier was cancelled without notice I rebooked the next day, XX/XX/year>. Frontier and Barclays Bank have been attempting to fraudulently charge me {$140.00} for a prepaid flight. Charges with interest are now at {$350.00}, which I will never pay. 
Harassment has continued monthly despite two letters to both parties! 
I would welcome a call or written response from your agency XXXX These practices by both Frontier an Barclays were a subject of FTC hearings in Congress this Spring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau is in violation of UDAAP ( practicing deceptive practices XXXX. I have provided three written requests to ask for five different inquiries be removed from my credit report I DiD Not Authorize. EXPERIAN CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Experian as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Experian is lowering my score with each credit dispute. I have also filed a Federal Trade Commission complaint as well as I have been impacted by multiple Data breaches ( refer to attachments ). 

XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX I am also attaching my Driver 's License as Experian frequently responds that I am not initiating the complaint. I, XXXX XXXX, am the respondent and complainant.
Product: Credit reporting or other personal consumer reports

I have fraudulent inquires reporting on my credit report and according to the FCRA it's against the law to report misinformation. I called to have these items removed and wasn't able to get the removed from my XXXX credit report, so I am filing a complaint. The three accounts listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XXXX I was litigated against for private student loan debt. The servicer was National Collegiate Trust. The loan was past the statute of limitations and I told them that in court ; consequently the case was dropped. 

I still often receive phone calls and letters from various companies claiming I own the debt. I often receive letters from National Collegiate Trust trying to manipulate me into signing my name to debt that was never verified to me mine. I graduated from college in XXXX so, there is no reason for me to have student loan debt dated for XXXX. My name and credit information has been in several credit breaches. 

The debt is now over 10 years old. The collection companies know that this is past the SOL.
Product: Checking or savings account

So i was trying to open an account with another bank and it wouldn't let me so I requested my XXXX report and it said my account was closed for cause so I called TCF and they said I had no remaining balance that needed to be paid or anything so I was confused why it said closed for cause when I was the one who called and closed my account myself and they couldn't tell me why it says closed for cause.
Product: Payday loan, title loan, or personal loan

So I entered into a car loan good faith agreement with bay XXXX finance Llc which is a subsidiary of bay XXXX finance about XX/XX/XXXX. For a used XXXX XXXX XXXX. Later down the line in about XX/XX/XXXX bay XXXX finance illegally repossessed my automobile first because they claimed they didint know where the car was since the police ended up taking my vehicle due to XXXX profiling and the XXXX police department ended up impounding my vehicle. After I got it out from the police 2 weeks after bay XXXX illegally repossessed my automobile violating my consumer rights usc 6802, 15 usc 1692 and 15 usc 1692k. Bay XXXX finance again illegally repossessed my automobile again in XXXX of XXXX without going through the court by getting a sheriff or a letter from the judge. From their actions I have since suffered mental damage and financial damage, I lost employment I had due to the fact I had no way of making it to my job. Bay XXXX finance is currently trying to sue me in large claims court to try and get the default amount of XXXX. These financial thugs im sure have done this to others as well.
Product: Debt collection

I am trying to settle a debt that I have no idea where it came from. The company said they cant offer me a lower amount and I dont have time to continue to play phone tag and keep trying to explain I was a victim of credit theft. I filed a police report and put a freeze on my social security number because of this and other stuff. This is attached to my social and my husbands social. Instead of debating with everyone, I just asked to settle the account. But paying over {$3000.00} is ridiculous when I dont even know what its for. 
The woman at the company was very nice but she said she had to follow policy and that was to only offer me 20 % off. That is insane.