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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian has violated my rights . 

15U.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 ag
ency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this acount several times for several violations according to FDCPA and FCRA 15 USC 1692e. False or misleading representation. 
I have also asked them several times to provide verification methods and they have ignored me it been over 30 days
Product: Credit reporting or other personal consumer reports

This is the third time I am provide all necessary information to Equifax and expect to receive an accurate credit report and credit score in the mail. My information was in fact breeched in their data breeching. My request is for all information which is showing on my credit report to be validated as my information. I also want proof of their methods of validation and the manner they used to gain the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous of unauthorized hard inquiries on my credit report from Transunion and XXXX. I've tried to call Transunion to get these inquiries removed but they keep denying.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter was sent to EQUIFAX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX. XXXX, 2020 ;
Product: Debt collection

I.C. Systems- Amount {$650.00}, as of XX/XX/23. This company reported that I owe this amount on my credit report. This was falsely reported as this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted of a credit inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Phone # : ( XXXX ) XXXX I called on XX/XX/XXXX they mentioned they never pulled my credit report.
Product: Money transfer, virtual currency, or money service

I used XXXX XXXX, XXXX, and Crypto.com to transfer funds into my XXXX account to trade with a trading group called the XXXX XXXX. I deposited {$22000.00} into the account and made trades which brought the value of my account to {$27000.00}. The group and I have parted ways, and I wanted to withdraw my funds back to my XXXX XXXX account. Crypto.com was the last exchange I used to transfer funds to my account, so I decided to transfer a small amount there too make sure it made it to my crypto wallet. I bought {$6500.00} in XXXX ( XXXX ) since both exchanges supported this coin, and requested a withdrawal from XXXX to my Crypto.com wallet on XX/XX/year>. My request in XXXX account did not go through right away, it stayed in a review status. After a few days of the withdrawal being in a review status, I contacted XXXX  customer service to ask why the withdrawal was still in review, I was told that all crypto currency withdrawals was on a mandatory 14 day hold by the SEC due to security problems and crypto currency crimes increase. I asked a few more questions about the 14 day wait, and then waited to see what the status would be after 14 days. After 15 days ( On XX/XX/XXXX ) I contacted XXXX customer service again, and the withdrawal was changed to success. I kept checking my crypto.com wallet for the next few days but no funds showed up. On XX/XX/XXXX I contacted XXXX customer service again and was told their system show that my withdrawals was approved and successful. I let them know that no funds had not shown up, they advised I contact crypto.com customer service. I have emailed crypto.com customer service multiple times with the same results, 2 days after emailing them I get a response stating they are sorry it has taken so long and they are trying to do better in their response time. They state if my issue is still valid, to respond to that email, in which I do just to go through the same cycle. Not being able to get in touch with crypto.com customer service leaves me not knowing if this is an issue with XXXX or Crypto.com. 

I still have {$21000.00} in XXXX that I need to transfer out, but I have no idea who's holding my funds ( XXXX or Crypto.com ). The last transfer that was successful went to XXXX XXXX, but they put a hold on transfer to XXXX so didn't want to chance it, and still ran into the issue I was trying to avoid. I have screen shots of the withdrawal request ( show I transferred XXXX ), my XXXX XXXX address in Crypto.com, conversation with XXXX CS, emails to Crypto.com CS, and my balance in my XXXX account. I would like to figure out where my {$6500.00} is and I need to get my {$21000.00} transferred out of XXXX ..... Thank you XXXX XXXX
Product: Student loan

Debt Collector Navient Keep getting annoying phone calls. I sent a letter to them on XXXX XXXX and still getting the annoying calls. The calls will be at least three to four times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15

U.S.C 1681 section 602 A . States I the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : I
t also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion for retaining unauthorized inquiries on my credit report, which I did not initiate or authorize. Upon reviewing my credit report, I identified the following inquiries that lack my consent : XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX I contacted these creditors directly, and they confirmed that they do not have any record of my authorization, either written or verbal, for these inquiries. Despite this, TransUnion has failed to remove these inquiries from my report, thereby damaging my creditworthiness. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Unauthorized Inquiries ( FCRA, Section 604 - 15 U.S.C. 1681b ) Under Section 604 of the FCRA, credit reporting agencies are only permitted to include inquiries that have a legitimate business need and verifiable consumer authorization. Since no authorization or permissible purpose exists, these inquiries should be removed from my report immediately. 

Failure to Remove Unverifiable Information ( FCRA, Section 611 ( a ) ( 5 ) ( A ) - 15 U.S.C. 1681i ) Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that any information disputed by a consumer that is determined to be inaccurate, incomplete, or unverifiable must be deleted promptly after investigation. TransUnions retention of these inquiries without proper verification is a direct violation of this provision. 

Verification Requirements ( FCRA, Section 609 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681g ) Section 609 ( a ) ( 1 ) ( A ) mandates that each inquiry included in a credit report be backed by a verifiable original consumer contract with my signature. Without such proof, any inquiry lacking my consent should be promptly removed to ensure compliance with the FCRA. 

Impact on My Financial Standing : The presence of these unauthorized inquiries on my credit report is unjustly lowering my credit score and limiting my access to credit. This is causing harm to my financial reputation and impacting my ability to conduct personal business effectively. 

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

My current credit score does not accurately reflect my credit worthiness. On XX/XX/year> my score was XXXX. On XX/XX/XXXX Trans Union informed me they had penalized me over XXXX points because I paid off my car loan. I have had no delinquencies whatsoever in the past XXXX years. My overall utilization is under XXXX percent. Balances on bankcard or revolving accounts are not too high compared to limits. Yet Trans Union refuses to correct my score even after admitting that their paradigm had unfairly penalized me, As a result of this error, one of my banks lowered my credit line from XXXX to XXXX which will force me to repay that line of credit in order to avoid being over Trans Union 's utilization rate. Otherwise my score will be lowered further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 168 and they violated my rights numerous times. I demand these accounts listed below be removed because according to 15 USC 168 I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Someone tried to use an authorized user card on my account. It was not me or the authorized user. So, the company put a hold on the authorized user account. Days later they restricted my whole account without notifying me. I tried to call to resolve this problem and they tried to make me provide documentation I was not about to send after being a customer for many years. I paid off the entire balance immediately and tried to close my account and they are refusing to close my account. This restriction is causing all my automatic payments to not go through. This is causing me a lot of problems. I believe the capital one credit cards were compromised because I am not they only person this is happening to. Capital one is trying to cover up a hack. This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was furloughed due to the government shutdown and though I contacted all of my creditors to make payment arrangements I have continued to receive decreasing scores and inaccurate information from several creditors on my credit report.
Product: Checking or savings account

Citi Bank closed my account without any notice. Had to go to the bank and they said they couldnt do anything until I got the letter, I waited to get the letter which said to call a number to be able to receive my money. The costumer service said I could go directly to my bank to get my money, went to the bank AGIAN and they told me I had to call them to get my ban lifted. I tried doing that and the woman on the line said she couldnt do anything and she hung up on me. Now they want me to wait 30 to 60 days to get my money.
Product: Debt collection

On XX/XX/2020, an account from Sequium Asset Solutions for XXXX XXXX was added on to my credit report. It was in the amount of {$930.00}. I tried to dispute it through XXXX  several times but they said all of the information on my credit report account matches the information on the account from XXXX XXXX, so they can not take it off my report. I can assure you that I have never set up an account for XXXX XXXX or anything else that Ive disputed off my account. I would like to take this step and any other necessary step that I can to get this account off of my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax credit report, I noticed inconsistencies in the payment history for my loan with XXXX XXXX. This loan was fully paid off in XX/XX/year>. Despite this, my credit report erroneously shows late payments beyond the closure date. Reporting any payment activity after the account was paid off and closed is not only incorrect but also misleading and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers like Credit Acceptance are legally required to ensure the accuracy of information reported. Inaccurate reporting of late payments after an account is closed and paid in full violates these obligations and harms consumers ' ability to maintain accurate credit profiles. Additionally, the Consumer Financial Protection Act ( CFPA ) prohibits unfair, deceptive, or abusive acts or practices, as alleged in the joint lawsuit filed by the CFPB and New York Attorney General XXXX XXXX against XXXX XXXX for similar behaviors. 

My XXXX credit report correctly reflects this account as closed on time with no late payments, further highlighting the inaccuracies in my Equifax report. I demand that all incorrect late payment entries be removed from my credit report immediately. The entire account history, as currently reported, is flawed and misleading. I expect each credit reporting agency to correct this issue without delay to comply with federal laws and protect my creditworthiness.
Product: Debt collection

Upon review the files, it comes to the attention that there is an Error of FALSE information about a CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX with the balance of {$1700.00}. I have no acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information, Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent. 

According to Fair Credit Reporting Act, any account fraudulent open without the principal original consent or permission must be Remove and Delete immediately. In compliance with FCRA, predatory furnished of false information by the institution are illegal, and within matter of rights under the laws of consumer request to provide by the furnish-er or institution of full proof of all original sign documentation relating to the false account and any consensual documentation with original owners signature within 5 business day in physical mail copies. As time is the essence per request must comply under FCRA law. Failure to do so must have the information Delete and Remove prevent to reappear once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I recently initiated a request with a credit reporting agency to conduct an investigation into my credit report. This request was made due to the presence of certain inaccuracies that I observed within my account. Following my request, your agency proceeded with a verification process to determine the accuracy of the reported information. 

I was subsequently notified by your agency that the results of their investigation concluded that the information contained within my credit report is indeed accurate. However, despite the thoroughness of their research, I have personally identified additional inaccuracies that persist within my credit report. 

In accordance to the fair credit reporting act, account XXXX  XXXX account XXXX XXXX XXXX have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, they have allowed my personal credit reporting information to be obtained by an unauthorized third party as a result of insufficient security protocols/procedures.
Product: Debt collection

Referenced letter states I owe the state of XXXX money from alleged incidents that occurred over four years ago. I've been a resident of XXXX  since 2017. This is a fraud and harassment. I would like supporting evidence showing the dates and actions documented in the letter.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy 
Act are in violation by the unaffiliated 3rd party(s) this complaint is going to. For 
items that have been placed on my credit report. I have included attached 
documents of these items. As per 15 USC 6802 (b) and (c). I was never provided 
the knowledge of the opportunity to opt-out of my personal information being 
reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments 
that are being listed that were never verified and violated my rights per 15 USC 
1666b. Both the credit furnisher and reporting agencies are in violation of these 
acts. They are unable to provide adequate verifiable proof. Which has also been 
attached in the documents uploaded, providing exact types of acceptable proof to 
have it considered verified. Lack of this acceptable proof based on the claim is 
lack of Corporate Compliance and a crime. If the proper recordings matching the 
letters are not rectified within 30 days and updated immediately with proof of the 
update. I will next exercise my rights to take legal actions. Since both parties are 
currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve 
Act Section 29.
Product: Checking or savings account

I repeated get check holds on my personal and business checking accounts, almost every deposit that I make ends up getting a 7 day hold. Even a Chase to Chase check received a 3 day hold. It is ridiculous. I call to get it released and in most cases they remove the hold, but in some they wont even give me access to some of the money. Then when my account becomes over drafted, because of the holds, they then charge me a {$35.00} overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX {$1900.00} Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2000.00} Account Information Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} Account Information Address XXXX XXXX  XXXX XXXX  XXXX XXXX, SD XXXX Phone XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report I noticed that I have been a victim of identity theft numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CAN YOU PLEASE REMOVE THESE FRAUDULENT INQUIRIES OFF MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

Due to the fair credit reporting act I dont recognize these unauthorized hard inquiries has to be removed immediately from my credit report. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I believe these may be acts of Fruad but I do not wish to place any freeze on my account at this time I only wish to have the inquiries. Please delete them off my profile.

Attached is my proof of insurance utility bill and my identification
Product: Credit reporting or other personal consumer reports

An fraudulent account was opened with XXXX XXXX  back on XX/XX/year>. This account was opened without my consent nor knowledge. My identify has been comprised. I have already informed all three bureaus ( XXXX, TransUnion, and XXXX ). I have provided the creditor as well as the reporting bureaus with information showing the account was opened fraudulent. These reporting agencies and creditors are not investigating this error correctly. All three credit bureaus deleted the account now its back saying it was verified. When I know this is inaccurate and not my account. Even information used to opened this account was incorrect.

This is ridiculous that I have to file a complaint to get this properly investigated and removed. I am highly upset that XXXX even let someone open this account. Please investigate and remove this account as it is destroying my credit history or I will have to seek legal action against XXXX XXXX
Product: Credit reporting or other personal consumer reports

I didn't start these records, and I emphatically suspect them to be false. I sympathetically demand that you completely examine and quickly eliminate them from my credit report.