23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Beginning approximately XX/XX/year> I began to shop for apartments. Upon finding an apartment that I could afford and liked I submitted an application for it to be denied. The denial was cited to be based on a Transunion tenant screening report. I was really perplexed Transunion is reporting XXXX evictions on my tenant screening report even though Ive never been evicted. When I initially received a copy of the report it showed XXXX different filings of XXXX XXXX with XXXX XXXX  judgments. The fact that the report flags that information as an eviction is false reporting. The applications will automatically be denied as long as results are present. I have subsequently lost substantial amounts of money upward of the {$350.00} range in applying for apartment approvals only to be denied. I have dispute this information with Transunion it was assured that it would be investigated. XXXX days later I received an email stating good news they show the information no longer being reported so I immediately did another application for residency and as you could XXXX I was still denied. Outside of this unconscionable situation Transunion continues to block my ability to not only view my credit report online but to even receive it via mail or any other form. I am barred from disputes online as well as the ability to review whats being reported and have been for over a year. Each time the system returns with an error error message saying try again later. For a time it said this is the most undergoing maintenance, but now it just doesnt allow me to do anything but also prevent me from logging in so I kind of get caught in a limbo of being logged in but not being able to make any movement beyond that.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the FCRA, 15 USC 1681 section 602, I have a right to privacy and the information contained in my credit report should only be accessed by authorized parties. Furthermore, under section 604 ( a ) ( 2 ), consumer reporting agencies can not furnish information about me to third parties without my written instructions.

I have reason to believe that this company Discover has furnished information about me to unauthorized third parties without my written consent. This is a clear violation of my rights under the FCRA.

Additionally, under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the creditor receives the payment on or before the due date. 

I request that you immediately cease and desist from any further violations of my rights under the FCRA and take corrective actions to remove any inaccurate or incomplete information that has been furnished about me. 

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXXCredit Bureau SystemsXXXX put a derogatory remark on my credit report, which affected my credit score badly. They mentioned that i owe {$60.00} from XXXX XXXX, XXXX Kentucky, since XX/XX/2022. I had already paid this amount on XX/XX/2022 at XXXX. I still have the receipt for this amount as i paid this online, as advised when the Credit Bureau Systems called me on that day. I dont know why they put a remark as not paid. I dispute this charge, and ask them to remove the remark from my credit report.
Product: Debt collection

I received a call from United Collections Bureau. They stated I had a debt in collections. They asked to verify my DOB, SSN, and mailing address. I refused until they told me who my debt was to. They stated they could not give me that information until I gave them my personal information. I told the woman that the only debt I had was my mortgage and it was up to date. She asked me for my SSN again. Again, I refused to give them my information and the woman hung up on me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report that I never authorized. These inquiries were performed without my consent and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Enclosed is the FTC Report highlighting the inquiries that I am referring to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX

Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX  OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX XXXX, XXXX, OH XXXX   XXXX XXXX XXXX , XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX   ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX-XXXX ( XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

I went to open a new bank account at XXXX XXXX  and was informed I had a checking account charged off account with outstanding balance on XX/XX/. I closed this checking account they are referencing in XX/XX/XXXX  before I moved out of state. I asked for proof of charge off debt and account information from the bank and never received it. it is hurting my credit because they have placed me on ChexSystems
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from opening a credit card today XX/XX/19 and I was denied because there are several accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever allow anyone to open them in my name using my personal information. I am not sure who opened these accounts but I have already filed a police report. I do not have any written/verbal contracts with these companies nor did I ever make any purchases or payments towards any of these accounts. I did not benefit anything such as money, goods or services from any of these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach in which my personal information was compromised. As a result, unauthorized accounts and inquiries have been added to my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

THE DISPUTED INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I filed an identity theft report at the beginning of the summer and received NO relief from this submission. I am not satisfied with this process. It is mentioned that my complaint should be resolved in 4 days. I want these items completely erased from my profile. There was no authorization on my behalf to use or distribute this information, let alone these entries are inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted..

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX  Date of inquiry XXXX XX/XX/XXXX According to Cushman v Equifax 1997, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Product: Checking or savings account

I noticed my debit card was stolen. I called USAA to stop the debit card. There were six charges made before I could have the card stopped. There was one charge to XXXX for {$110.00}. There were two charges to XXXX for the amount {$210.00}. There was a charge for {$84.00} to XXXX. There was a charge for {$63.00} to XXXXXXXX XXXX XXXX XXXX. There was also a charge for {$22.00} to XXXX. 
USAA temporarily gave me the money back to my account while they did research on the charges. I was sent a letter on XXXX XXXX saying they found no fraudulent charges for XXXX XXXX and XXXX. They said I could call them to find out what information they used to declare it was not fraudulent. I called them to ask for the paperwork and I never received it and they have sent charged me for those charges. I received a letter on XX/XX/XXXX from USAA stating they found no fraudulent charges for XXXX and XXXX. I called them in regards to those charges to ask for information on how they found them not fraudulent. They said they would get back to me, but I fear that nothing will happen and I will be charged for them again. They also said that I could go to the merchants to see if they would refund me.
Product: Vehicle loan or lease

I received a settlement with this company. I paid in full. The company deleted me from thier system and did not give a title for my vehicle.
Product: Money transfer, virtual currency, or money service

A payment was made to XXXX in XXXX. CashApp says my physical card was used. I have never been to thats store nor made a payment there.
Product: Credit card

Dear CFPB. 

I have never had such a bad experience as I have had with Bank of America Visa. I signed up for their Travel Rewards Visa as I was planning a big trip to XXXX and thought this would be a good card for the trip. I was wrong. 

On XX/XX/XXXX I attempted to purchase 4 flights and 4 baggage checks from XXXX to XXXX round trip. Unfortunately, the airline ( XXXX ) double charged me. I ended up with charges for 8 flights and 8 baggage checks. When I called XXXX to flag, they said they had no record of the double charges and that Id need to contact my bank. 

On XX/XX/XXXX I contacted Bank of America and requested a refund for the double charges : {$35.00} x XXXX people {$990.00} x XXXX XXXX Bank of America issued the refund. 

I thought that would be the end of the issue. But then, on XX/XX/XXXX I got an email from the airline saying that my return flight had been rescheduled. They changed the flight to leave a day earlier with an overnight layover in XXXX XXXX. Then they cancelled our departure flight. When I called they said there was nothing they could do to accommodate our original itinerary, but offered to refund us, as I had booked refundable tickets. We took the refund. 

To summarize : We wanted to book 4 flights. We were charged for 8. Then we needed to cancel the original flights b/c of changes outside of our control. We should be refunded for all 8. We booked refundable tickets. 

Since then there has been massive confusion between Bank of America and XXXX. The confusion and error has nothing to do with us and 2 months later this has been impossible to resolve. At this point I have been charged FOURTEEN times for XXXX and refunded for only ELEVEN of those charges. There are additional charges for baggage and seat upgrades. All charges are noted in the attached documentation. I am owed {$3100.00}. 

I have called Bank of America, submitted documentation and spent at least 8 hours on the phone with them. When I called today, they said they could not guarantee that they can refund me.

Thanks much for your understanding and help.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Other Than Personal Finance Companies XXXX XXXX XXXX : XXXX XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive + XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX Automotive + XXXX XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX : XXXX. XXXX, XXXX Banks + XXXX XXXX : XXXX. XXXX, XXXX Banks + XXXX XXXX XXXX : XXXX. XXXX, XXXX Banks XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies
Product: Debt collection

PARAMOUNT RECOVERY IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT! REMOVE ALL NEGATIVE ITEMS ON CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I recently sent out letters to the Consumer Reporting Agencies about inaccurate information on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. They did not follow account level documentation because these items are still being reported without my consent, which leads to identity theft. I have attached my FTC Report again. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine.

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 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. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Still hasnt updated y account owned by WAYPOINT. On XX/XX/19 I filed dispute on this and result was this account was completely rejected dispute # is XXXX Lender contact info is XXXX XXXX . XXXX. XXXX XXXX Texas XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This account with XXXX XXXX XXXXComenity Bank  , a department store credit account. The store closed and there was no forwarding information regarding the last of the bill I paid in full. While checking my credit report, I see that they added this to my credit report and I paid this in full.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for reporting a late payment on my credit report without providing proper documentation to substantiate the alleged delinquency. Despite my written request for proof, the company has failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. Below is a summary of my issue : Request for Proof of Late Payment : I requested that the student loan company provide specific documentation showing : The due date of the payment in question.

The actual payment date or proof that no payment was made.

Any notices or warnings they claim to have issued regarding the alleged late payment.

Proof that I receive the biling statement by providing mail tracking documents Inadequate Response : Instead of providing the requested documentation, the company sent a response containing only general loan documents and references to the original loan terms. This response did not address my specific request for proof of the late payment or the timing of any missed payment, nor did it include any billing records or payment history.

Violation of FCRA Requirements : Under the FCRA, furnishers of credit information are required to verify and provide accurate records when a consumer disputes the accuracy of information reported to credit bureaus. In this case, the company has failed to meet these requirements. Since they have not provided proof of my delinquency, they are obligated to remove the inaccurate late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a 39 month lease with XXXX XXXX, opened on XXXX. Car was returned around XX/XX/XXXX. I had no late payments, however, Nissan decided to charge me {$7500.00}, for car details. The XXXX XXXX that I leased was recalled by Nissan for defective acceleration & defective breaks ; yet Nissan never notified me while I had the car. The account is over ten years old, therefore, it needs to be removed from my credit report agencies. Nissan closed and charged off the account in XX/XX/XXXX. They transferred the account to XXXX XXXX XXXX which is a Nissan sister company. XXXX XXXX posted imaginary payments for the last 24 months and updated and changed the account status from closed to open and in good standing. However, the balance never goes down. The monthly payments allegedly made are for {$410.00} x 24 months = {$9900.00}, which makes no sense. Since the balance never went down during the 24 month period. 
They are trying to show that I updated the account before the 7 years limit so that the account will never come off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XX/XX/XXXX XXXX XXXX Credit Card Processors Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Furnishings - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage   Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage   Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX all accounts and inquires ftc violations