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

In accordance with the Fair Credit Reporting act XXXX  Account 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, names and addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the 3 credit bureaus : XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.
Product: Debt collection

A certain person kept harassing me with phone calls and eventually caused the DMV to suspend my license due to some accident I wasnt involved in. They found another driver, but their insurance didnt cover the accident. 
This person said that either some insurance would cover it, or Id have to pay {$17000.00} out of pocket. 
He also claimed that the accident happened in XXXX, but the DMV said the accident occurred on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX purchased a debt and did not properly notify me of the debt. I never received a debt validation letter, phone call, mail, or email in regard to the alleged debt owed. XXXX XXXX then hired XXXX and XXXX XXXX and field a lawsuit against me, without ever notifying me of the debt owed, the amount, or who they purchased the debt from. After having to research MYSELF who the original creditor was, I found that XXXX XXXX violated the arbitration agreement that states we BOTH waive our rights to court proceedings and ANY DISPUTE would be handled privately in arbitration. I was never notified that I had the right as a consumer to dispute the debt before having a lawsuit against me.
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX XXXX was involved in an accident not caused by me. XXXX XXXX considered it a total loss and paid Global Lending. Global Lending then closed the account out and marked it as a repossession on the card and charged the account off, knowing that XXXX XXXX XXXX XXXX ( Gap Insurance ) was paying the remaining balance. XXXX XXXX had talked to Global Lending and confirmed that they had mailed the check to the wrong address. The representative from Global Lending assured us and XXXX XXXX that this was not an issue and would be noted. This inaccurate reporting is stoping me from getting a new vehicle. Weve called and get the run around. The customer service representatives are rude and automatically send you to the repossession department when it was not repossessed but considered a total loss.
Product: Credit card

XX/XX/XXXX I made a {$250.00} payment to Synchrony for my Amazon XXXX account. I was told my account would be credited in 5 days. I've called every single day and the company keeps pushing back the date they will credit my account. They have had the {$250.00} for 7 days without placing it on my account. They utilized Predatory Policy against their clients. They are Ruining My Good Credit. This is ILLEGAL! This should be considered GRAND THEFT!
Product: Credit reporting, credit repair services, or other personal consumer reports

all three agencies not updating balances on a monthly basis and affecting scores, cant dispute online says to wait til updates which have been over a month since the last update. get run around called card agency states they have already sent to the credit agency. call credit agency they say call the creditor. also, the XXXX score process paid down credit card balances to almost nothing owed and credit score lost points. being penalized for paying seems like.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX acct # XXXX was closed on XX/XX/XXXX and reported monthly as closed by Consumer monthly but XXXX retaliated against me after XX/XX/XXXX by reporting my account as OPEN in violation of the Facially False Data safeguards set forth by XXXX XXXX Director of CFPB. In addition to many phone calls I wrote the attached secure message to XXXX on XXXX and XXXX responded on XXXX stating that my account was closed as of XX/XX/XXXX. Despite 20 plus phone calls, texts and other disputes, my Experian XXXX  account remains reported on the attached reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as OPEN before the Dispute investigation and OPEN after the non existent required investigation. Kindly disclose any documents and contacts regarding my efforts to get my account reported as closed. How could my closed account be reported as OPEN after reporting it as CLOSED for over 6 months? Experians own data documents monthly reporting my account as closed on XX/XX/XXXX so it has the data to resolve this matter without XXXX involvement. Delete my account permanently.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit account with XXXX XXXX XXXX XXXX XX/XX/XXXX acct number XXXX amt- {$2300.00}, XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit account under XXXX XXXX XXXX under account number XXXX on XX/XX/XXXX amt- {$2800.00} and at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX XXXX. 

These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer XXXX credit report. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account at XXXX XXXX XXXX, opened on XX/XX/XXXX under account number XXXX with a balance o {$12000.00}, collection account at XXXX, opened XXXX XX/XX/XXXX under account number XXXX with a balance of {$2000.00}, collection account at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX with a balance of {$740.00}, collection account at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX with a balance of {$1100.00}, collection account at XXXX XXXXXXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$1300.00}, collection account at XXXX, opened XXXX XX/XX/XXXX under account number XXXX with a balance of {$0.00}, collection account at XXXX XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$4600.00}. 
inquires : XXXX XX/XX/XXXX These accounts have resulted in hard inquiries fraudulent collections appearing on my consumer FICO credit report. Attached is a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and XXXX fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

a collection was charged off in XXXXXXXX XXXX XXXX not originally opened by me went delinquent in XXXX XXXX XXXX days Its been over XXXX years delinquent another company bought it and is calling my phone sending me fake court letters in mail which mentally im sick i feel like its intimidating knowing they cant do it i want to sue them for using false tactics to scare people Delete it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX DEPARTMENT OF EDU # 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: Credit reporting, credit repair services, or other personal consumer reports

Had an account with this company in XX/XX/XXXX account was charge off and closed. After the account being charged off and close they still report to the credit bureau as miss payments. You can not miss payments on a closed account. The company knows the law and they need to remove all late payment from the account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and not report a closed account to the credit bureau for late payment. I have contacted the company several times to stop but they continue to report late payments on a closed account. The account should be removed I never open the account on XXXX XXXX XXXX as they stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. It's been well over XXXX days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, Equifax have XXXX days to respond to my dispute. 

This violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to log on to Transunion credit reporting bureau to lift a credit freeze. I got a message saying my password was not correct. I tried resetting my password and got a message that they could not identify me. I then tried to create a new log on and got the same message that they could not identify me, although I provided all the information about my identity they asked for. I then called the customer service number they provided to fix problems with logging on. The guy could barely understand English and was hard to understand. He would ask me a question. I would answer and then the line would go silent for 3-5 minutes before he would ask me another question and many times he would ask me the same question again after I already answered. It was like talking to an XXXX. After a half an hour of this I was getting no where so I hung up.
Product: Credit card

I need to inform you that I have fallen victim to identity theft. I am disputing this account since this was opened without my knowledge, consent, or authority, and I hold no responsibility for it. Upon reaching out to the respective companies, I was directed to file the FTC affidavit accessible on the XXXX website COMENITYBANKXXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I hereby declare that any reported Personal Identifier Information that does not exactly match the details provided above can not be certified as adequately true, correct, timely, complete, verifiably valid, or otherwise compliant with the necessary lawful reporting processes and the precise and complete adherence to the mandatory reporting format standard, specifically Metro 2 Compliant reporting. I contest any currently reported personal identifier information that falls into this category. Furthermore, I do not assume the factual validity or certified compliance of any associated delinquency events or derogatory claims reported. Therefore, I demand the immediate removal of any such deficient claim, regardless of its accuracy. 

*** DEMAND that all reported claims be supported by factual documentation that demonstrates their FULL TRUTH, ACCURACY, TIMELINESS, COMPLETENESS, PHYSICAL VERIFIABILITY, and VALIDITY. I also DEMAND adequate claim ( s ) adhere to CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and follow the mandated reporting format, specifically the Metro 2 Compliant format standard. Finally, I demand that any reported deficiency or the failure ( or unwillingness ) to provide proof of each claim 's validity and certified compliant reporting result in the immediate DELETION of derogatory claims, if any exist. Compliant reporting of proven valid claims is not an option but a requirement for lawful and ethical reporting practices. ENSURE YOUR OF COMPLIANCE!

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting.
Product: Prepaid card

On Saturday XX/XX/XXXX I recieved a XXXX dollar Visa prepaid card from a work training event, and using this card I attempted to order a new purse online ( from XXXX ) and it didn't work. From a little research I learned I needed to connect my name and address to the card at the prepaidgiftbalance.com shop in order to shop online with it. I did this and the card still didn't work, telling me that my 'card issuer rejected the transaction '. I activated my card, added the information they asked for, and I'm still unable to use it. Online somebody said it's possible the card issuer could have limited my card due to suspicious behavior but I don't understand how that could be done without me knowing.
Product: Credit reporting or other personal consumer reports

I have been dealing with Experian for more than three years to address fraudulent accounts on my personal credit report. However, Experian continues to reject my requests. I reside in Texas, while the accounts in question are from a different state where I have never lived. Experian is infringing on my rights and has not met its legal responsibilities under the Fair Credit Reporting Act ( FCRA ) to conduct a proper investigation, rectify any errors, and remove information that does not belong on my report. Including address that I have never lived on I have disputed multiple times this address and still getting reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has been soliciting my information via whats called XXXX XXXX to damages on my credit report.
Product: Debt collection

I received an email from aspire saying they sold and transferred my credit card information to a collection agency after saying they charged off the balance. If they charged off the balance, that means they submitted their 1099 form and got paid, then are trying to commit further fraud by selling the paid debt to another company since they have already been reimbursed so they sold it so XXXX XXXX can make money off the debt. I have agreed to no dealings with XXXX and Aspire needs to send proof I signed for this debt they are selling. 
Here is their admission to fraud. 
Dear, Notification of Assignment, Sale and Transfer of Your Credit Card Account The purpose of this notice is to inform you that your Aspire Credit Card account ending in XXXX was sold to XXXX XXXX XXXX XXXX XXXX on or about XX/XX/year> with a balance of {$840.00}. This notice provides you with information regarding this sale and how to contact XXXX XXXX XXXXXXXX XXXX XXXX 

A Few Important Points We charged off your balance of {$840.00} on XX/XX/scrub>XXXX 
Effective immediately, we no longer own your account. Your account is now owned and managed by XXXX XXXX XXXX XXXX XXXX. 
In connection with the sale of your account, we will notify the appropriate consumer reporting agencies of the transfer in ownership. Please allow up to 30 days for the consumer reporting agencies to reflect this change on your credit report. 
Future communications will be from XXXX XXXX XXXX XXXX XXXX. 
We were the only creditor for your Aspire Credit Card prior to the sale of your account to XXXX XXXX XXXX XXXX XXXX. 

Mail your payments to : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX You may reach XXXX XXXX XXXX XXXX XXXX, toll free at XXXX or via their website : XXXX XXXX XXXX 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB Representative, On XX/XX/2021 XXXX XXXX ET We applied for SunTrust XXXX XXXX Rewards ( App ID : XXXX ) and on XX/XX/2021 received a letter from Suntrust that application was approved for lesser amount and to call and make arrangements for balance tranfer update. 
On XX/XX/2021 I called Suntrust credot card underwriting department and gave them new instructions for balance transfer amount based on lesser approved amount. I was told by representative that new amounts will be processed and balance transfers will go through. 
Since then, I spoke couple times with Suntrust credit card representatives about this matter and was told that they would investigate my balance transfer request. 
On XX/XX/XXXX I received email from Suntrust representative that she couldn't confirm my balance transfer and I immediately called Underwriting department and was told that they have provided Credit Card department the request for balance transfer. 
on XX/XX/2021 I spoke with supervisor of credit card department and was told that she filed the case for research # XXXX She also told me that there is 13 calendar days requirement in Terms and Conditions for balance transfer to go through which I was not able to see in Terms and conditions and would like that Suntrust provides me it in writing. Due to delays I may get late fees on the accounts that should receive funds and also I would like a compensation from Suntrust for all the valuable time I took from my business to follow this case which is mishandling customers credit card account balance trader request. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

Navient keeps reporting late when i have filed with them several deferrmemts and XXXX filed with XXXX
Product: Credit card or prepaid card

I applied for a Chase Southwest Plus card, in addition to a Chase Southwest Premier card on the same day and was automatically approved in XX/XX/XXXX. A week or so later I received my card in the mail, but it was instead two premier cards. This seemed odd to me, so I called Chase to see what the issue was. After thirty or so minutes on the phone I was told that they did not know how this happened, but that there should be no issue with receiving the rewards on each of the cards. I received the first bonus in XX/XX/XXXX after I had reached the spending threshold on the first premier card. I received a letter in the mail stating that I would not receive the second bonus because I had already received it on the other premier card. I called Chase immediately, who said that I should wait and see if the points post to my account, given that this was such an unusual situation. The points did not post to my account, so I called them again on XX/XX/XXXX. I was referred to an account specialist after again telling them what happened, asking them to honor their agreement and post the points to my account. They would not budge and said that I can not receive benefits from two of the same cards. It makes absolutely no sense for me to try and have the same card and pay an annual fee twice. There is no benefit, only harm to me to do that.
Product: Credit reporting or other personal consumer reports

My Credit profile was part of an Equifax breach which was acknowledged by Equifax. Since then I tried on numerous occasions disputing the accuracy of my credit profile. In 2022 a fraud alert was placed on my profile with all three credit agencies specifically informing all creditors to call and verify before running or issuing any credit in my name... since then several accounts and inquiries have been documented on my report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continually reporting inaccurate and misleading information in my credit file. I have filed several disputes and get no where as far as having these inaccuracies removed. According to the FCRA I have the right to request that the furnisher provides proof that these accounts are mine and Ive never received any proof of account ownership after many requests. They are painting a very inaccurate picture of my credit history and financial responsibility and it is affecting me tremendously I am being denied for accounts that do not belong to me! Im so exhausted trying to fix my credit Ive been trying for years to get them to do their job. They are not following the law and I feel are purposely reporting inaccurate information to further hurt minorities and keep us in conditions where we can not progress. Credit is everything and they should only report accurate factual information or remove it if it can not be accurately verified.