23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX XXXX other than personal XXXX XXXX   XX/XX/XXXX XXXX other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below 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, AND XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 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 U.S.C. 1681. 

XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX/1022 Original Creditor : XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XX/XX/2021 XXXXXXXX XXXX  XX/XX/2021 Has violated my right to privacy. 

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 an 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: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : CHILDSUPPORT - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues Related to XXXX XXXX XXXX XXXX  : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with XXXX XXXX XXXX. XXXX XXXX was notified of the bankruptcy on XX/XX/XXXX. At that time, XXXX ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with XXXX XXXX. I applied for mortgage assistance several times, and in the process, XXXX XXXX referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with XXXX, XXXX and Transunion. I found that XXXX XXXX reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called XXXX on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that XXXX was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first XXXX representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

XXXX has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the XXXX account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Account Name : XXXX XXXX, XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX. XXXX, XXXX - Account Number : XXXX XXXX  Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2015 XXXX XXXX filed on my credit that I owe them {$85.00} I do not. I have never done business with the company.
Product: Debt collection

The Thomas Agency claims I owe a debt already paid to XXXX XXXX. I sent them a cease and desist and debt validation letter. They could not produce any documentation that I still owed the debt. They sent me a letter on XX/XX/ 2023 stating that I still haven't paid the debt and that they have reported it to the credit bureaus. 

XXXX. The debt has been paid directly to XXXX XXXX. The Thomas Agency has no right to try and continue to collect this debt. 

XXXX. They lied about placing the debt on my credit bureaus. I checked and this is not the case. 

This is against the FDCPA laws, and the company should be punished for violating them.
Product: Checking or savings account

Since XX/XX/year>, there was unauthorized transactions that were which lead to XX/XX/year>. The total amount for these transactions {$3200.00}. One transaction from this claim was only approved for an amount of {$1.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate request. These companies have four business days to remove the identity theft from my report which I have stated is not the result of material misrepresentation and they have refused to uphold my rights as a consumer. The identified accounts must be removed in accordance with consumer law and to protect my right to privacy and a correct report. Please see attached documents for immediate removal.
Product: Credit reporting or other personal consumer reports

i have filed this FTC Identity Theft Affidavitand now with you at the cfpb to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX  XXXX. 
2. A personal credit card account opened at XXXX XXXX. 
3. A personal credit card account opened at XXXX XXXX XXXX. 
4. Another personal credit card account opened at XXXX XXXX XXXX. 
5. A personal loan account opened at XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Product: Credit reporting or other personal consumer reports

As per the regulations established by the Federal Communications Commission ( FCC ), I have no contract agreement with the accounts attached I am entitled to request and receive a physical, signed copy of any contract that I am alleged to have entered to any of these accounts. Therefore, I formally request that you provide me with a copy of the contract bearing my wet signature that states I have contracted withthem If such a document can not be provided, I request the immediate removal of the account from my records. Furthermore, Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802. Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. 
I have also filed a theft report please see attached none of thes accounts are miine.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act capital one has violated my rights. Under 15USC1681 section 602, I have the right to privacy. 15USC1681 section 604a section 2, also states that a credit reporting agency can not furnish my account for any reason without my written consent. Under 15USC1666B a creditor can not treat a payment on a credit card account Under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have Equifax remove XXXX XXXX XXXX  off my report since last year, the account was fraud and it was sent to a collection agency. I got in touch with the collection agency and they informed me that the account was closed on there end and they are no longer reporting anything about the account due to it was fraudulently opened. I have disputed this account numerous times with Equifax and they keep coming back saying the account is being verified. I sent the letter the collection agency sent me about the account and they still wont remove it. At this point I feel like they are not doing there job due to how can an account come back verified when I have sent in the documentation from the collection agency showing the account was closed and nothing has been reported on the account since 2019. I need this account removed ASAP.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15.U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Bank account or service

My wife and I closed our Hancock Bank accounts today, XXXX XXXX, 2016. We only did this because the bank sent us a certified letter notifying us that it was going to close our accounts on XXXX XXXX, 2016. We were surprised to be charged a {$20.00} account closing fee for each of the accounts. As you will see in the attached letter, the bank provided no reason for the account closures. We never had any problems dealing with the bank. 

We feel this is outrageous. We would like our {$40.00} to be returned to us.
Product: Money transfer, virtual currency, or money service

Hello there, My name is XXXX and I belong to a lower middle class family whose duty is to take care of a family of 5 being the only earning member. 

I sell on XXXX for my living. Few days back 2 reserves were placed on my account holding more than XXXX XXXX XXXX. I had my own obligations to pay the vendors, pay XXXX invoices, family expenses. So, I requested multiple times to release the funds so that I might be able to fulfil the obligations. 
Yesterday I was even confirmed by PayPal that one of the reserves have been released and will be transferred. But now my account has been permanently limited and neither the funds have been released. They say that I have violated policies by selling restricted products. You may check my account. I sell the products what other millions are selling too and if there was anything restricted, XXXX already would have removed that listing. 
Please show mercy on me and remove the limitation as it's not just a PayPal account for me but my entire one year 's effort & time. PayPal has left me in a situation where I am not able to think of anything other than committing suicide. Please, for XXXX sake, activate my account and release the funds. I am just doing a small business for my living. This is my whole world. 

Thanks in anticipation. 

XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/XXXX XXXX Experian received and accepted through certified mail a dispute for the following accounts : ( XXXXXXXX XXXX XXXX  ACCOUNT # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ). Experian did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, Experian failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I went to XXXX XXXX in XXXX Florida to purchase a Suv. The agent that I spoke to whose name was XXXX informed me that only XXXX hard credit inquiry would be on my credit report if I decided to proceed with the Transaction. Upon checking my credit report there are XXXX hard inquiries on Equifax credit report and XXXX hard inquiry on my XXXX credit report. There should only be XXXX hard inquiry on my credit report. I am therefore asking XXXX XXXX and XXXX XXXX to remove the unnecessary hard inquiries from my credit report. There should only be XXXX hard inquiry on my credit report. 
I authorize the sales agent to do XXXX hard pull on my credit report not XXXX hard pulls. 
So, XXXX of the hard pulls down on my credit report was not authorized by me and I want them removed immediately.
Product: Money transfers

This is to inform you that on XXXX/XXXX/XX/XX/2015 I send {$1000.00} to XXXX for a relative, when she tried to withdraw the money, they told her the money was not under her name but under a male named XXXX XXXX. I do not know this person whatsoever. After many tries they told her the reference number was correct but the name was different, immediately I called Money Gram Payment Systems to stop the transfer. The operator simply just transferred me to another department, and then to another, and by the XXXX operator they tell me that the money had been withdraw-ed minutes ago. I let them know that they are wrong because my relative is n't being able to collect the money. And they start a case and say that they will need two weeks to investigate. After two weeks I called Money Gram Payment Systems and no one knew anything regarding the case, they had no information to give me. When I demanded answers the operator simply ignored my questions and at XXXX point hung up the phone on me. On XXXX/XXXX/XX/XX/2015 I went back to the Money Gram Office I had used to sent the money from, and the employee contacted the Money Gram Main Office, and after being transferred to many departments as usual, they had no answers and now they need 90 days to investigate. In my opinion they are playing games, or ignoring me, because they can simply open files on their system and find out which employee, and which office authorized to change the name, just by a XXXX of clicks on the computer. I simply sent money to a relative and some stranger collects it? That seems fishy to me. I 'm not understanding how that happened. After a conversation with my relative she says that the bank manager in XXXX told her that they can not change anything on the orders, not even a name once the sender sends the money. If that 's the case then how did a random stranger with a different name than the recipient 's name collect my money? As far as I see it Money Gram Services is at fault for not taking care of the money and giving it to the correct person. I really think they violated my trust, broke a contract and simply stole my money. I want and need my money back as soon as possible and an explanation what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 Section 602 states that I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 166B a creditor may not treat a payment on a credit card account under an open a consumer plan as late for any other purpose.

Also, according to The Cares Act it prevents companies from reporting late payments to Credit Bureaus. 

The late payments were posted XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 and XX/XX/2021
Product: Credit reporting or other personal consumer reports

It has come to my attention that your organization has, in a manner that can only be described as gross negligence, failed to block a fraudulent account on my credit report despite ample evidence and repeated attempts to rectify this situation. Frankly, I am appalled by the incompetence displayed by your organization in handling this matter. 
XXXX XXXX XXXX XXXX I have been a victim of identity theft, and it is well-documented that this fraudulent account is causing severe damage to my creditworthiness. I have repeatedly submitted the necessary documentation to prove the fraudulent nature of this account, yet your investigation has been nothing short of lethargic and agonizingly slow. 
This is not a matter that can be brushed aside or treated with indifference. The presence of this fraudulent account on my credit report is jeopardizing my ability to secure loans, obtain credit, or even access essential services. It is causing me unnecessary stress, anxiety, and financial hardship, all of which are entirely your fault due to your inexcusable delays in resolving this issue.
Product: Debt or credit management

I have tried multiple times to get unauthorized purchases off my report and I have yet to get anything information back.
Product: Debt collection

We went to XXXX XXXX 4 years ago and paid in full. Collection Consultants of California are demanding {$490.00} and this is incorrect and not true. They wo n't answer their phones.