23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX XXXX, 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 XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted this off of my credit report which is shown on Experian. The Account that must be blocked and deleted is XXXX XXXX  All documents is listed below Pic of Drivers license Proof of address Determtion letter from a XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A phone number that comes up as XXXX XXXX XXXX has contacted me usually twice a day making 15 times in the last 5 days. Its a debt I plan on taking care of when I can but the last straw was today XX/XX/2024 at XXXX I received three calls at the same time and that is harassment.
Product: Credit reporting

I submitted my initial complaint about Experian on XXXX/XXXX/16. 
Experian represented they were in the process of mailing the credit report to me, and it will take up to 10 days. 

Today, XXXX/XXXX/2016 I still have n't received the report. 
I was denied credit and am unable to get car insurance to get to work, because of flawed reporting by Experian. 
At which point can I sue these clowns for damages to my credit score?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Kohl 's Department store credit card. I made a purchase on the card on XXXX XXXX, XXXX for {$13.00}. I usually pay this off in store as soon as I make the purchase with my Kohl 's card but was in a rush and could not do so. 
Three months later, in XXXX XXXX, I received a bill from collections that I owed Kohl 's {$32.00} ; I immediately paid the bill and was very confused because I had never received a bill in the mail. I called the company and they said I enrolled myself in paperless statements, and they had been sending me my statements via email. I advised them that I never did so, and they accused me of doing so anyway. So, I went ahead and checked my email, and the last email that I received from Kohl 's was dated XXXX XXXX, XXXX, three years ago! I never received my bill via email. 
So today, I went online to view my online Kohl 's account and it asked me if I wanted to go paperless, and I said no, meaning that I had not opted in to Kohl 's paperless in the first place. 
The reason I am submitting this complaint is because my FICO credit score went from a XXXX to a XXXX ; almost a 100 point decrease over a {$13.00} purchase! I was not avoiding paying this bill by any means as I could have easily paid it at anytime. I have been paying my other credit card bills on time, as well as my car payment and really value this effort to have a solid credit score. I have never paid a bill more than a day or two late, I would never let it get to three months passed due. I am very upset by this because it was such a minimal charge and caused so much damage to my credit score, and this can affect my life in a big way.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION REFUSES TO DELETE UNVERIFIED CREDIT INQUIRIES Hard Inquiries hard inquiries which have made a dent in my score. Here are the inquiries on my TransUnion report. 
XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Birthdate : XX/XX/XXXX I am filing this complaint with the CFPB to request, under FCRA 605B ( 15 U.S.C 1681c-2 ), that XXXX, Experian and XXXX block the following fraudulent accounts and inquiries resulting from identity theft within 4 business days of receiving this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have led to numerous hard inquiries and fraudulent collections appearing on my FICO credit report. I have attached a list of these inquiries and a copy of my credit report from XXXX that highlights the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries listed, as they were not initiated by me and are a direct result of identity theft. 

I have also included a copy of FTC identity theft complaint number XXXX as evidence that all mentioned accounts are fraudulent.
Product: Credit card or prepaid card

I have had a PayPal XXXX XXXX  I left a negative or a XXXX balance on it because I was no longer going to use the card and there was a couple of accounts that I was paying with that card that I wanted also to cancel it so in order to cancel I just was going to let him go ahead and try to run charge on the card it would decline it and then that would close out the account with XXXX or something with XXXX well this was a XXXX XXXX PayPal and what they decided to do was when I XXXX  ran the charge they went ahead and paid it and they wanted me to pay for it two years now they have been hounding me for this money and I kept telling them I didn't ask for them to give me credit this was a cash card I'm just using it for when I have the money to pay the stuff I left a negative about a XXXX balance so that way when these other accounts try to charge the money wouldn't be there the account would been closed and I move on well I don't know because if I try to use that card for groceries or gas, something else, they wouldn't give me {$20.00} credit for that but being it was with XXXX they went ahead and paid it and have been hounding me for the money now they've turned it over to collections to scar my credit over {$28.00} that I could pay but out of sheer principal of them doing that, without me being able to get credit from them for anything else other than XXXX which is which is XXXX so it's it's wrong it's wrong and I'm reporting it
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL FRADULENT ACCOUNTS ON MY EXPERIAN CONSUMER REPORT. I NEED TO HAVE THIS FRADULENT INFORMATION REMOVED FROM MY CONSUMER REPORT. ATTACHED ARE THE FTC IDENTITY THEFT REPORTS. 

XXXX XXXX OPENED XX/XX/XXXX {$91.00} XXXX XXXX OPENED XX/XX/XXXX {$280.00} XXXX XXXX OPENED XX/XX/XXXX {$470.00} XXXX XXXX OPENED XX/XX/XXXX {$1200.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$1600.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One - XXXX is reporting a few lates on my credit file. When the pandemic happened I was put in a really tough situation and was unable to make payments for a couple months. After that have not been delinquent again. I have been a customer of Capital One for YEARS and have never been late on this account except for these couple of months because of the pandemic. It truly hit out of the blue and it was completely out of my control. I would of made my payments if I could to keep my perfect payment history with Capital One. I am asking as a long time customer that you please remove these late 's from my credit file. They are due to the pandemic and I was not able to financially support myself for a few months but we are back on track and hope to never be late again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters well as my Id Driver license and birth certificate Social Security card.In the year XXXX well as in XXXX they still show all these names on my account
Product: Vehicle loan or lease

I hereby raise my formal complaint considering that I am one of the many consumers who were affected by the illegal practices of TOYOTA through the XXXX XXXX Toyota dealership located at XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX phones XXXX XXXX where they included in my budget for the purchase of my vehicle TOYOTA XXXX XXXX VIN NUMBER XXXX Additional products that were not mandatory even though they stated that they were necessary for the approval of the loan through Southeast Toyota Finance The additional products included in the quotes are : Road hazard tire wheel coverage for {$390.00} Mechanical failure service contract for {$1700.00} XXXX  {$690.00} Other aftermarket {$1000.00} Mvwtf battery and tires {$8.00} For a total of XXXX plus interest of 1.9 % per year which is {$74000.00} .5 x 5 years would be {$370.00} For a general total that should be reversed to me XXXX It is important to note that I am still paying the vehicle to TOyta since the loan is for 6 years.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX  XXXX. is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX  XXXX, the financial institution, and the Consumer Reporting Agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, and XXXX XXXX XXXX  XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  XXXX. never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' These accounts have private transactional items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states. '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am immediately opting out of these reporting services.

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974, and the above federal laws.
Product: Credit reporting or other personal consumer reports

I disputed this XXXX XXXX XXXX loan due to my information being exposed in a data breach and Experian ; along with the other credit bureaus have re inserted this account into my report without the 5 day notice that they are supposed to give me. 

XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX. It was reinserted between XXXX XXXX XXXX XXXXXXXX Pursuant to 15 USC 1681i ( a ) ( 5 ) ( b ) - Re investigation of disputed information If a credit bureau reinserts a previously deleted item on your credit report, it must notify you within 5 business days of doing so
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute the account that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent account was opened in my name without my knowledge. I already forwarded the required FTC report to the bank and they have acknowledged that this account was fraudulent and have removed them. However, I have noticed that your bureau has continued to report this account, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent account, you are not complying with the law and are putting me at risk of further harm. So, I'd like you to remove/delete the account from my report XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I called Citi to discuss my interest rate and options for lowering it. The representative told me I was under " penalty '' for a missed payment and asked why I missed the payment. I asked what the date of the payment was and she informed me it was XX/XX/2020. I replied, the pandemic relief outlined a suspension of CC, mortgage, etc. payments for a time period. That " missed '' payment fell within that time period. I asked if she could give me more information on the missed payment, to which she said, " no, it was over 2 years ago. '' I asked to speak to a supervisor and I was told they are not available. I was told to call back later. I have tried to get this sorted out numerous times with the remedy being more time spent from Citi. In essence, Citi is making it impossible to get any answers or figure out what is going on. They have raised my interest rate and are using an algorithm to make decisions based on inaccurate data and information. 

Citi is using tax payer funded programs coupled with a global pandemic to make more money and keep people in debt longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable.
Product: Credit card

Synchrony bank has struck again!!!! Now they're slashing credit limits two at a time!. My original credit limit was {$1000.00} now it is {$100.00}. I paid the account regularly and in fact, paid it off. This is hurting my credit and I have no control over it at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to reach company since 2015 to gather information about my account. Was told account is restricted and I couldn't get any information unless I contact supervisor via email. I submitted emails to supervisor and recieved one call when I was in the dr office with my son. Asked if they can return my call in an hour. Never got a response or call back. Sent another email just 4 days ago asking for item to be removed from credit report.still no nee email.
Product: Credit reporting or other personal consumer reports

FTC Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that your credit agency, Experian and XXXX, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of a alleged auto loans with XXXX XXXX XXXX XXXX XXXX, opened in XXXX XXXX XXXX. Now a balance of {$17000.00}. 
This account have resulted a fraudulent inquiry from Experian. I did not give permission to XXXX XXXX to check my consumer report. If you notice the alleged account was opened on XXXX, So why is XXXX XXXX pulling my consumer report on XXXX. I've attached a copy of consumer report showing the inquiry in question. also attached the FTC report. 
I do not recognize the aforementioned accounts, collection, and inquiry appearing on my consumer report. 

I request, pursuant to FCRA 605B ( U.S.C 1681c-2 ), that the XXXX and Experian credit reporting agency block all of the accounts, Collections, and Hard inquiries identified in this CFBP complaint from my consumer credit file within 4 business days of receiving said complaint. I request in written communication regarding this CFPB complaint be sent via email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I contacted this company again regarding them reporting inaccurate information on my credit report and I was told that someone would call me back. I have attempted to make several calls to this company but no one has been able to provide me with the information but has threatened no to remove the information from my credit report.
Product: Credit reporting or other personal consumer reports

I requested my report, in the mail i received notification they didnt have it or could not verify me, i contacted them on XX/XX/30 and was able to get my identity verified They sent me a letter with a link to my report which i could not access, i contacted support via email, they tell me to call, i can not get through to a live individual I contact them via email and ask for a supervisor, they refuse to comply and thus have not provided me with the report i have asked for They replied to case XXXX and essentially sent the same thing that they did before, i complied with their requests, they did authenticate me and sent me my file link but the link did not work, now all of a sudden they cant authenticate me again and want me to go through their lengthy procedure that originally failed I got a voicemail from XXXX XXXX on XX/XX/30 XXXX XXXX i returned her call on XX/XX/30 at XXXX to which i left a voicemail and to this date i have not had my call returned, i am providing screenshots showing that i did indeed call and that the call time was 23 sec which is enough time to leave a proper voicemail
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/XXXX. XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries and were not authorized on my credit consumer report with Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in my email that XXXX completed their investigation into my dispute of the following accounts File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX XXXXXXXX  XXXX - XXXX XXXX ; I have faxed this information and sent certified mail to both Equifax and XXXX in regard to these same accounts. I demand that XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Product: Payday loan, title loan, or personal loan

Made a phone call in XXXX to pay the remaining balance. This is when I found out the incredible amount of interest that I was being charged. Loan deposited in my account XX/XX/XXXX in the amount of {$1200.00}. There is a weekly payment withdrawn from my account in the amount of {$150.00} reoccurring till XX/XX/XXXX. The transaction is listed in my account under the name Hummingbird.
Product: Consumer Loan

I received a loan from avant last year in XXXX of XXXX. I received an email about refinancing for additional funds or lower Apr. My Apr for a Delaware consumer is XXXX, but I noticed on their website they offer Delaware loans highest 36 %. I contacted them and their statement was this was new interest since my loan opened and I could reapply for the lower Apr. I tried reapplying and was denied. Logged back into site after applying it ran my credit again to deny me without me actually filling out application.