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

Experian had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

The migration from the previous XXXX XXXX vendor to Marcus by Goldman Sachs has been a complete nightmare for myself and my business. This is sold as a business card. During the transition, it took multiple attempts to actually get cards sent to us after they disabled the previous cards. Then we received multiple batches of cards for the same people in the mail. No one batch of cards worked for everyone. Some people 's cards from the first batch were the ones XXXX used for the account, and then some in a third batch. Moreover, they generated cards for administrative users who were not supposed to receive physical cards and were not assigned credit limits within the company, causing additional charging issues and attempts to link our corporate line of credit against their personal credit lines. 
Moreover, they do not have a way for us to pull the transactions from the website unless you've been assigned a card. No longer does the pull into XXXX work. Their export utilities for XXXX and XXXX files are not compliant, and these files are regularly missing transactions in the export. This has caused my business thousands of dollars in damages and delays, which they still have not been able to resolve.
Product: Credit card or prepaid card

I took out a credit card with Zale under a promotional offer. no one ever stated at the end of the promotion if you have a balance left when the promotion is over. the company will add the six interests to your bill.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section 602 A. States I have the right to privacy. 

15 U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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

ive filed a dispute with Experian, on XX/XX/2021 and yet to receive any information in regards of my initial dispute. they are reporting inaccurate and misleading information on my behave causing thousands of dollars of interest every year. please help me resolve this issue as they are violating my consumer violations.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX, XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX I requested validation from SCA COLLECTIONS of two unknown medical accounts being reported to XXXX, XXXX, and XXXX. They have provided me zero information to validate these debts. I believe they are reporting fictitious information on my credit reports. This strikes me as being deceptive. These accounts have been left invalidated and must be removed by law. In fact, SCA COLLECTIONS may be violating HIPAA laws along with Federal and State statutes on fraudulent extortion and illegal collection activities.
Product: Mortgage

A tree fell on my home XX/XX/year>, I met with my XXXX ( I do have his name ), XXXX TIME. He stated that I needed to keep receipts if I needed to stay anywhere. Also told me about eating out and supplying those receipts as well. I did receive about an inch thick of wasted paper from them the mortgage. 

My mortgage is telling me that there are no funds to send me regarding the repair of my home. The most information I can get is returning paperwork and being in a prior financial situation is the reasoning behind this utter nonsense. 

I can not even describe how horrible this whole process has been, a nightmare to say the least. 

Now, mysteriously this month my mortgage will not let me make a payment on my mortgage. This is absolute nonsense. 

My next step is the insurance commissioner. Guess I need an attorney as well. I've lived in my home for almost XXXX  years and now you are trying to take it away from me? I want my home fixed. I'm not giving up or giving in. I can also call the news if necessary. 

This experience has been immoral, inhumane, and curious if illegal. This has been very upsetting to say the least. 

Just want my house back, nothing more nothing less. I deserve that, and it will be finished. I'd like to have my home back by the holidays. There shouldn't be a reason that can't become a reality. 

I need HELP! No more XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the accuracy of the collection account listed under XXXX XXXX XXXX, with account number XXXX, on my credit report. I request that you kindly investigate this matter and provide a resolution in accordance with the Fair Credit Reporting Act ( FCRA ). I'm also enforcing my rights under FCEUA, UTPCPL, and FDCPA. 

This account does not belong to me and is being reported inaccurately. The details of the account listed on my credit report do not match my records, and I have no knowledge of the debt in question. I request that you verify the validity of this debt with XXXX XXXX XXXX and ensure that the account is removed from my credit report within five days. 

Please provide a contract bearing my wet ink signature or remove this account from my report within five days thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleting A Negative Credit Card From My Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

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

I am filing a formal complaint against Experian for their refusal to conduct a reasonable investigation into inaccuracies on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate and derogatory information on my credit report, including a bankruptcy record. This bankruptcy is reporting with discrepancies, as it only lists an incorrect court name, a reference number, and a filing date. The incomplete and inaccurate reporting has negatively impacted my creditworthiness. 
In my dispute letter, I ensured to include a copy of my driver 's license, Social Security card, and proof of address to verify my identity in accordance with the FCRA. Despite my compliance, Experian refused to conduct an investigation. I received an email response from them stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the FCRA, if accounts are inaccurately reporting, I have the right to file a dispute with the credit reporting agency. Experian 's refusal to investigate my dispute constitutes a clear violation of my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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: Debt collection

Harris & Harris is repeatedly calling me for a false debt collection from XXXX XXXX XXXX. I told them that I have verified with XXXX XXXX that I do not owe any balance on my account ( see attachment ). However Harris & Harris continues to call me despite that I told them not to do so -- latest call was this morning. Also the prior time that I spoke with their representative, she told me the debt had been reported to the credit reporting companies!!! Please see my latest statement of account from XXXX XXXX for XX/XX/XXXX attached. On page 1 you see that there is $ XXXX pending with the insurance company. On page 2 you see that this claim was denied for a date of service nearly 2-years ago because the provider at XXXX XXXX XXXX failed to get the XXXX approved by the insurance company. I recall getting a letter from the insurance company years ago stating that I am not responsible for this bill. Furthermore, I have had problems with Harris & Harris a month or so ago attempting to collect debt that I already had paid. They are a business that has very unfair business practices and collection practices. And they really should be looked into and fined or closed down for repeated violations of the FDCPA. Many people who are ill, XXXX, or senior are being taken advantage of by them, I suspect, based on my experience and based on complaints I have read on the web. And I am quite sure at this point that I have overpaid on bills that were falsely collected by them for XXXX XXXX. FYI,  according to XXXX XXXX, as of XX/XX/XXXX, the XXXX XXXX XXXX reported XXXX closed Harris & Harris complaints over the previous three years, including 30 closed H & H complaints over the previous 12 months. The XXXX gave H & H A+ rating. Additionally, XXXX listed 16 complaints filed in federal court in the previous year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and two alleged violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) listed 93 closed complaints in XX/XX/XXXX.
Product: Payday loan

I have explained to these people that my bank account was stolen and whatever money was put into the stolen account was not me. I have tried to reach out to them to work things out and even pay something even though I should n't have to pay. They call me all times doing the day to the point that I can not work. I do n't owe them anything plus I tried to work the issue out with them with no success. I have asked them to stop calling me or any of my family and friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/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 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: Credit card or prepaid card

CitiBank automatically set up a transfer from my Citi Forward card to a new credit card they created called the Citi ThankYou card. In the process of doing so they left bard cards active and set up a process of transferring purchases from one card to the other. Since both cards were technically active they then charged me duplicate interest charges. When I questioned them as to why I was charged interest on my Citi Forward card they said it was because it had a balance, yet they also said that balance was transferred to my Citi ThankYou card. I  had called them days before the interest was to be charged and they said to not worry about it and that no interest would be charged. But, when I called in after seeing they charge they told me the interest charge was valid. I feel like they are both taking advantage of me and also displaying inaccurate/confusing/malicious information on my account website. I also worry they are harming my credit score because of the 2 duplicate balances being reported. I 've attached screenshots where you can see I 'm being shown duplicate charges and duplicate interest on both accounts. They post that during transfer consumers will be shown inaccurate information, yet I have no way of knowing what is accurate as each time I contact them I 'm told something different.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XX/XX/2018 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Inaccurate From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX sent me this letter, ( included here ). I've sent this SAME letter to Experian twice before. This shows them that an account is on my report that is not mine. XXXX  CAN NOT locate an account that is mine in their database!!! 
I can not send them VIN numbers, contracts As I DO NOT HAVE THEM!! This is not my account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1200.00} Debt Opened XX/XX/2022 I have disputed this account on multiple occasions due to identity theft.
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX I called to have a new card sent to me from my credit card company Capitol One.They sent a card to the wrong address which was my old one.Which someone stole from the mailbox which was one of the reasons I moved from there because my mail was getting stolen. This is a {$500.00} limit credit card. Somehow these people were able to pull over {$1000.00} out of my bank account through my credit card I do not know how. But they got my bank information so Capital One paid my bank a payment of 800 and some odd dollars. They were supposed to also load my credit card. Well someone kept ordering a card over and over again every time I would order one they would. So I finally told Capital One to close my account and I would go ahead and pay them off I paid them down to where I only owed {$170.00}. Well I gave it a couple weeks I just called them yesterday and they said I called in on XX/XX/XXXX and reopen my account had a card expedited to me and have had money pulled off my card I told them that was not me. They would not lock my card in any way shape or form so nobody could get it except for me. They would not tell me exactly how this person was giving information to them and this is Capital One a big company I was shocked because they kept putting money on my account. It was just a huge mess and has been and somebody is still messing with the account right now they won't do anything about it I don't know what to do. They keep locking me out of the app so I can't send you guys screenshots. Anytime I call they tell me that they are putting me through to a supervisor and I have been hung up on and I have been told I'm talking to supervisor but then after a short conversation then told that the person was not the supervisor and they were going to get the supervisor it has been crazy.I got to the part where u asked for the card number the THIEF 'S keep ordering new cards i have no card if u call and ask for my account by name they will say i font have one but here is my social XXXX youll need it.