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

I am appalled that you have refused to block my identity theft claim, citing an error or misrepresentation of material fact. What gives you the right to determine material facts? You are neither a judge nor a jury, and you certainly do not have the authority to make such determinations. The FTC mandates that if you receive an FTC identity theft report, which is filed with a law enforcement agency, you must comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is rating me as having a XXXX. They have refused to allow me to have this information corrected and they state they can not find my information
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. 

Account Name : XXXX XXXX Account : Account Number : XXXX 15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 card or prepaid card

We were purchasing carpet from XXXX and they use credit from Wells Fargo Bank. I gave my information to the sales associate who in turn gave my information to Wells Fargo. Shortly afterwards, a Wells Fargo associate called and spoke with me. I was denied credit for the carpet purchase according to the Wells Fargo associate due to the inability of Wells Fargo to authenticate my identity. This interaction happened on XX/XX/18. In the mail, I received a denial letter stating the inability to authenticate my identity ( the applicant ) and instructed to contact XXXX XXXX. My complaint is with Wells Fargo ; specifically, why did I take a credit hit, if in fact Wells Fargo could not authenticate my identity? It doesn't make sense for any business who claims an inability to authenticate a potential customer 's id to then be able to run a credit check and then the customer takes a hit to their credit score.
Product: Money transfer, virtual currency, or money service

no follow up. 

Coinbase XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX and all of them auto cancelled due to 48 hr window trying to move funds from a vault to the wallet. 
My email approved the transactions 2nd approver ( wife ) approved as well multiple times yet still no service, answer to my emails, costing me $ $ . 

Need a live coinbase rep and or resolution.
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  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 

15 U.S.C 1618 s-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: Debt collection

Company called my office today to discuss debt collection. When I attempted to ask questions about the debt, the caller XXXX XXXX who said he was calling on behalf of First Direct Mediation, began yelling at me and degrading me by calling me an XXXX. When I tried to explain that I have attempted to work with the original creditor to settle this matter, but then I receive threats of people coming to my home, people calling my mother and threatening her etc, he stated that he would send the police to my home and/or my work. He continue to yell at me and berate me, then hung up the phone. When I called back and asked to speak with a supervisor I was connected with Mr. XXXX again who made statements about the 8 years he went to school to become a lawyer and that he could not wait for me to be taken to court because " the calls were recorded and I laughed at him '' while he was yelling at me and threatening me. I told him it was unprofessional for him to act this way and to threaten to send people to my home where my son live and he said " no one cares about your son ''. I told him that I too am a professional and went to school and I know that it is unacceptable for him to treat me this way. I told him I am a XXXX XXXX XXXX and he said to me " well you need XXXX XXXX treatment ''. I then told him I was ending the call and hung up. I was then contacted by the HR department at my job questioning if he was supposed to call to do an employment verification. I explained the situation to the HR manager who disclosed to me that Mr. XXXX was also extremely rude with the switchboard operator when he was trying to obtain my office phone number.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : XXXX. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor to whom this debt is allegedly owed. 

XXXX. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. This request is specifically for the validation of the amount of the alleged debt as outlined under 15 USC 1692g ( a ) ( 1 ). 

XXXX. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request.

Enclosed are copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question.

Any previous correspondence regarding this matter.

Please initiate an investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation.

Details of the Account in Question : Creditor Account # Account Type Balance Date Opened Status Last Reported XXXX XXXX Revolving {$930.00} XX/XX/XXXX Collection/Chargeoff XX/XX/XXXX Account Type - Detail : Charge account Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$0.00} Credit Limit : {$1500.00} Past Due : {$930.00} Payment Status : Collection/Chargeoff
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

AFIN, INC falsely reporting a paid account. 

I had only had XXXX XXXX account from when i was married, it was reported to my credit report XX/XX/XXXX. On XX/XX/XXXX This account was settled and paid to XXXX, i send to all XXXX credit bureaus XX/XX/XXXX and now its re-reporting from AFIN INC. so I called the company at XXXX and they wont send verification of dept and cant tell me anything other then to pay. I have also received a sarcastic voice mail from this company on XX/XX/XXXX form XXXX then an automated one on XX/XX/XXXX from XXXX both stating they are with AFIN. Ill provide XXXX attachments Thank you for your time
Product: Credit card or prepaid card

On XX/XX/2019 I contacted Macys executive office due to XXXX failing to address several issues I filed about. XXXX her colleague like XXXX decided to lie. I was told that Macys didnt cancel my credit protection but received a list from the company to remove it from my account. He then gave me credit protections number and told me to file a rebuttal. I followed his instructions and requested a rebuttal. XX/XX/XXXX I received a call from XXXX  letting me know Macys instructed them to cancel my credit protection. She also informed me a rebuttal wasnt needed and simply was to know who canceled which was Macys. The fact that people in the executive office are lying just as the customer service line is disgusting. For several months Ive been lied to, intentionally given wrong information, refused information, and misdirected
Product: Debt collection

This number called 15 times in a row this afternoon. 6 times in a row this morning. And 9 times in a row this past Thursday. Portfolio Recovery
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 I am a victim of identity theft please remove it from my report.
Product: Credit reporting or other personal consumer reports

Experian is failing to upload their responsibility of deleting information that is inaccurate after being notified why such information is inaccurate. They are blatantly disregarding the law by reporting false information.
Product: Credit reporting or other personal consumer reports

The agency have more than one name reporting on my report. I only have one name that is XXXX XXXX XXXX XXXX same at it appears on my drivers license and social security no abbreviations etc. no job employment should be in my report I do not work for anybody thats inaccurate. Only one address should be on my report witch is 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 confidential under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX 15 U. S. C 1681 section 602 A. States i have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, 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: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$9600.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and INFINITY CAPITAL LLC DBA ran an unauthorized credit inquiry on me on XX/XX/2022. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact INFINITY CAPITAL LLC DBA and investigate such occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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: Payday loan, title loan, personal loan, or advance loan

Applied for the pre-approval of the loan on XX/XX/year>. The pre-approval does NOT do a hard pull on your credit. 
On the application they ask if you own a vehicle, lease, finance or none. I selected financed. 
I was pre-approved for $ XXXX I proceeded with the application and then they do a hard pull on the credit. I did this becasue they said I was pre-approved. 
I get a call an hour later from this number XXXX, she asked if I own my vehicle free and clear and I said no I finance and she said we can't do a loan unless you have a title for collateral.I asked why this is not stated in the loan application and that they need a vehicle. She said she doesn't know what is on the application. 
This company markets on XXXX XXXX and XXXX, this is false advertising and they are not disclosing what the real loan approval is based off. I now have a hard inquiry on mu credit for no reason. Had all of this been disclosed I would have never done the pre-approval let alone the entire application
Product: Credit reporting or other personal consumer reports

For the credit account XXXX  XXXX XXXX, there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). I am asking that this account be removed from my Transunion and XXXX accounts for this violation.
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYST Account number : XXXX Date Opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$420.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX FCRA Violation Code : 611 ( a ) ( 1 ) ( A ) - These accounts are inaccurately reported as collection accounts.

FDCPA Violation Code : 15 U.S.C. 1692e - This section prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt. Unauthorized collection activities, including those where the debt collector does not have proper authorization to collect the debt or fails to validate the debt, fall under this section.

FCRA Violation Code : 15 U.S.C. 1681b - This section regulates who can access your credit report and under what circumstances. It prohibits the use of a credit report without a permissible purpose or without consent.

FCRA Violation Code : 15 U.S.C. 1681e ( b ) - This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy and confidentiality of the information in your credit report. Failure to do so can be considered an invasion of privacy.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are 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 any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting seven inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and three 60 day late payments dated XX/XX/2018, XX/XX/2018 and XX/XX/2018 and two 90 day late payments dated XX/XX/2018 and XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this I did NOT give Experian written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Experian has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX... If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Product: Credit reporting, credit repair services, or other personal consumer reports

I received collection calls from company i have no business with, i check my credit report to find several accounts report to my credit file that doesn't belong to me, i try to correct with creditor unsuccessfully. i am making report to let credit bureaus know these accounts don't belong to me, and should be deleted from my credit i can regain good standing with my credit history.