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

Lexisnexis shared my personal information without permissible purpose and written permission. Lexisnexis failed to block reporting of information within 4 days from receipt of information per the FCRA under 15 USC 1681C2 this is required by law.
Product: Checking or savings account

I had a large amount of money deposited in my account from my unemployment, and ally bank closed my account for suspicion activity, I had over {$6000.00} deposit in my account, I called and they say it wasn't me .and it was and will not even return the money back to unemployment office either
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX XXXXXXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Debt collection

My credit report shows a collection account with a company that I have never done business with. A collections company has reported this debt which recently hit my credit report and has negatively affected my credit score. Apparently someone used my name and social security number to open a XXXX XXXX account with an address in a different state. The collections company only has my name and social security number but the incorrect address. I have never received any information from the collections company, only found out about the situation from monitoring my credit score and viewing my credit report where the collections information is available. I never opened a XXXX XXXX account nor lived in the state that was used fraudulently in this case.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted you to request an investigation into items that I suspected were fraudulent, erroneous, and falsely reported. I have only gotten a computer-generated letter claiming that the review of my credit reports has been stopped because you suspect I have engaged a third-party credit repair firm. I think this is a deliberate delay tactic on your behalf to give you an extra 30 days to fulfill my initial request, and I consider it a clear breach of the FCRA.
Product: Checking or savings account

Via XXXX, my bank account has been debited by {$50.00} per month for approximately 34 months. I was able to ascertain that XXXX has been charging for an organization called XXXX XXXX, which is a political organization focused on defeating XXXX XXXX of Kentucky. I have written to the email address provided by XXXX which is XXXX to contest the debits and have received no response from XXXX. 
There is no other contact information for XXXX XXXX, but their executive director is named XXXX XXXX. They are registered as a political fund with implications/supervision under the FEC. XXXX says they can only refund {$150.00} of the unauthorized charges but they are not providing further contact information from the organization they say the funds are being sent to. 

XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report regarding fraudulent hard inquiries on my credit reports. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX I used an app called Sezzle to pay for an item. When I hit pay I immediately received a email and a text message that said the transaction declined due to vendor being located outside of the country. I figured alright, I will just order from somewhere else. 1 week goes by and i contact them about the transaction being on my account still and payments for it still scheduled to be taken out of my bank account. They provided no information of any value. I was first told it was a glitch and give it a few days. After two weeks I called again and the same thing happened, but this time it happened after I sent them screen shots of the email I received and the text message I received clearly stating the transaction was declined. They also asked me to send screenshots from the website the product was ordered from to show them there was no activity and I sent XXXX pictures of each section clearly showing them nothing was ordered, sent, or coming at any time. After all the screen shots I just got silence repetitive answers. 


Sorry if this is long, I then called my bank and filed a fraud claim that the lady from XXXX  XXXX XXXX said I should do. Fraud claim people then tell me it isnt fraud and I need to file a dispute, in the meanwhile I put a stop on the transaction and this company Sezzle charges another transaction to get around the stoppage. Fraud isnt done with claim but the way the lady spoke I doubt they will help even after I offered all the evidence that clearly shows it was declined, it doesnt exist, and if it does I dont want it because I ordered what i needed elsewhere right after. Im a simple man, you tell me its declined, thats fine, you make the rules, but dont tell me oh well in fact it wasnt and also we sent e-mails the same time we sent the declined email, because they infect didnt send any email stating the transaction went through and Ive checked thoroughly, they also wont provide me with actual proof of the so called email with timestamp and rest of info.
Product: Credit reporting or other personal consumer reports

My information was leaked and exposed in the data breach, leaving hard inquiries on my credit report from agencies that i have not receive service from. Companies like Ally financial 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX are all companies that have I been a victim of and I became aware of it on XX/XX/XXXX. I have taken immediate steps to address this situation, including contacting companies, freezing accounts, and filing reports with other agencies, but I am requesting that the CFPB intervene to investigate the breach and ensure that any necessary actions are taken to XXXX  my personal information. Under the Fair Credit Reporting Act and under section 605 b, I understand that I am entitled to request assistance in disputing any unauthorized disclosures of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. 

This creditor have violated my rights. 

UNDER 15 USC 1681 section 602 states i have the right to privacy.

UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX  with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Experian dispute center po box XXXX XXXX TX XXXX Last SSN XXXX Notice to principle is notice to agents and notice to agents is notice to principle Please be advised this is my third written request in final warning that I fully intend to pursue litigation in accordance with FCRA to enforce my right in seek relief in recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful neglect noncompliance.

Despite two written requests the unverified items listed below still remained on my credit report in violation federal law you are required under FCRA to have a copy of the original creditors documentation on file to verify that that this information is Mines in correct in the results of the first investigation and subsequent reinvestigation you stated in writing that you verified that these items is being reported correctly? Who verified these accounts you have not provided me copies of any original documentation a consumer contact with my signature on it as required under 15 USC 1681 g ( a ) ( 1 ) & 15 USC 1681 ( a ) ( 1 ) ( A ) furthermore you have failed to provide the method of verification as required under 15 USC 1681 ( I ) ( 7 ) please be advised under 15 1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear to the civil liability and the remedy available to me 15 USC 1681n & 15 USX 1681o if you fail to comply with federal law I am a litigation consumer in fully intend on pursuing litigation in this matter to enforce my rights under FCRA your company is breaking FCRA rules I will be filing a complaint. 
XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX In addition. Please remove all non accounts holding inquiries over 30 day olds also please add promotional suppression to my credit file Under federal law you have 30 days to complete your re-investigation be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided within fifteen 15 days of the completion of your re-investigation Thank you.
Product: Debt collection

Portfolio Recovery you are in violation of my rights and the law USC 1692 { b ] and 15 USC1602 { l } remove all accounts from my credit report s under the law you have violated my rights and these accounts are fraud
Product: Credit card or prepaid card

I dont remember tur date but I had had this credit card for years always on time I had set myself a goal to pay the account off so I had shred it the card and paid the entire thing off next thing I know I got a call stating I owed over {$1600.00} and i told them this was impossible since had paid off the card off and I told them I didn't even have a card for years now with them and they send me alot of charges that assure it was me when I told them that maybe someone got ahold of my credit card and used it for a long time with out my consent and they said that those charges where made from me when there where charged in california when I was here in XXXX and I had not gone to california in years also there where alot of XXXX and taxi charges when I had 2 veichles of my own not needing to use those services. Their response was telling me that those are my charges and wanted me to pay them the fill amount I even offered to pay them the total charges in a payment plan which was below {$500.00} which was the total charges someone used my credit card the other {$1100.00} was just intrest charges and late fees adding up to over {$1600.00} and they said no that I had to pay them for the full amount this is not fair since I didn't make these purchases. 

This account was opened XX/XX/XXXX and it was closed on XX/XX/XXXX over 11 years ago
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CAP ONE AUTO XXXX XXXX XXXX XXXXXX/XX/year> CAP ONE AUTO XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to Equifax requesting to positively verify or remove four unknown accounts and three fraudulently inquiries listed on my XXXX  credit report and they have yet to verify the accounts or remove the inquiries. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 
It is now XX/XX/XXXX and I have not received any information on the investigation or verifiable proof nor have the accounts been removed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to report formally a case of identity theft. I recently discovered that several accounts have been tempted to open in my name without my knowledge or consent. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. 

Address : XXXX XXXX XXXX XXXX, AZ XXXX I never lived at this location. Identity theft was made to my accounts. 
Plus the Inquires on my Credit reposts at all Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has still not sent me verification of the " company '' that they use. By law they have to disclose this information to me as a consumer. I have submitted evidence indicating that the bankruptcy has been removed by " the company '' they use. They keep repeating the same jargon and we are getting no where. I again enclose the XXXX XXXX letter as evidence and the same response with no company listed. Experian please understand as a XXXX veteran I have nothing but time on my hands. I'm really exhausted of the methods the company uses. I ask again PLEASE PROVIDE YOUR SOURCE to me in writing. This the company is not satisfactory.
Product: Vehicle loan or lease

Used care was purchased in XX/XX/XXXX. In XX/XX/XXXX The car began to leak inside. It was immediately taken back to the dealership. The car was checked an the problem which was believed to cause leaking in the car was replaced. However, the car continued to leak. The car was taken back to the dealership approximately 4 to 5 times regarding the same problem. The car was taken back to the dealership again and was repaired. In XX/XX/XXXX, the car began to make loud noises, I contacted the dealership regarding the issues, but was told that I had to pay for any issues going forward so I had the break lines repaired and roaders which cost {$400.00} by a different mechanic. The problem continued up to XX/XX/XXXX when the car was taken to another mechanic who indicated that the breaks were damaged. The car was fixed again which cost approximately {$500.00}, however the car began to make the same noise, vibrate and other mechanical issues which caused me not to be able to drivXXXX. The dealership was contacted in XX/XX/XXXX to have it taken back due to problems and I was no longer able to afford to pay ongoing repairs as well as the maintenance and monthly payments.it became very costly to maintain.
Product: Checking or savings account

ThereisnoevidenceofthevalidityoftheXXXXtransactions.CharlesSchwabmadethisdecisionpurelyoncircumstantialevidence.ThevendorfortheXXXXchargecannotbecontactedtoprovideproofofthetransaction,suchasasignatureauthorizationonareceiptthereforethistransactionisunauthorizedandfraudulent.CharlesSchwabstaffpresumptuouslyallegedthiswasrelatedtoagentlemansclub.

AccordingtotheFederalTradeCommission,Ifsomeonemakesunauthorizedtransactionswithyourdebitcardnumber,butyourcardisnotlost,youarenotliableforthosetransactionsifyoureportthemwithin60daysofyourstatementbeingsenttoyou.

ItookallnecessaryactionpursuanttofederallawandCharlesSchwabpolicytocomplywithreportingandcontactedCharlesSchwabimmediatelyafteridentifyingtheidentitytheftandfraudulentactivity.CharlesSchwabhasaresponsibilitytoreplacethelostfunds.

XX/XX/2018XXXXXXXXXXXX,#XXXX{$620.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX fl XXXX XX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX  XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX Alabama. I have tried calling them. No success. This is my daughter account who live in Alabama. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my Nevada ID and address. From XXXX to present. Please remove.
Product: Credit card or prepaid card

USPS XXXX XX/XX/18 {$110.00} XXXX XXXX # XXXX XX/XX/18 {$13.00} XXXX # XXXX XX/XX/18 {$19.00} XXXX  online purchase XX/XX/18 {$9.00} XXXX  # XXXX XX/XX/18 {$15.00} XXXX  online purchase XX/XX/18 {$71.00} I wasnt even in the state of the purchases at the time and have shown proof that I was working in another state across the country. I have been dealing with this for four months and they are not being cooperative saying that I could have made the charges even though I have sent them my time cards from work in Minnesota showing I was working on the days of the charges in Georgia.