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

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX  is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX  according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX  to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX  should delete all account information they share with XXXX, TransUnion, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX  has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 


I didnt consent nor benefit from XXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

Representatives at XXXX  XXXX sold account ( XXXX ) to Account Purchaser : XXXX XXXX XXXX, XXXX on XX/XX/2017. The methods used by XXXX XXXX XXXX, XXXX were threatening, intimidating, and harrassing. Complaint ID numbers XXXX, XXXX, XXXX, XXXX, XXXX, was submitted via Consumer Financial Protection Bureau. 
12 CFR 226.13 ( a ) : XXXX  XXXX Services violated the Fair Credit Billing Act by refusing to acknowlede the dispute within XXXX ( XXXX ) days pursuant to 15 USC 1666 ( a ) ( XXXX ) ( A ). XXXX XXXX XXXX XXXX XXXX refused to provide written explanations or reports following investigations pursuant to 15 USC 1666 ( a ) ( 3 ) ( B ) ( ii ) ; refused to produce documenation as evidence within 90 days pursuant to 15 USC 1666 ( a ) ( 3 ) ( B ) ( ii ) ; added restrictions to the account a total of ( 3 ) three times pending a resolution pursuant to 15 USC 1666 ( d ). 
FAIR CREDIT BILLING ACT VIOLATIONS include : 12 CFR 226.13 ( d ) ( 1 ), 15 USC 1640 ( a ) ( 1 ) & ( 2 ), 15 USC 1611 ( XXXX ) & ( XXXX ). XXXX XXXX received private negotiable instruments, also referred to as transation credits, from XXXX XXXX XXXX in the approximate amount of the alleged debt plus additional payments resulting in a bank liability. Consequently, there is no debt on the account and the claim was disputed. XXXX XXXX XXXX XXXX has been denied credit lines, business loans, personal loans over XXXX times since XXXX due to XXXX XXXX  errors, libel and slander causing hundreds of thousands of dollars in damage.
Product: Prepaid card

I attempted to use a North Lane virtual pre paid debit card via XXXX XXXX for an in store transaction. As the store required a PIN, I contacted North Lane to establish a PIN. After waiting on hold for 25 minutes over 3 phone calls, I was informed that they were unable to help me establish a PIN and that funds were not available. I confirmed that there were plenty of funds on the pre paid card to cover the transaction, and they confirmed that there was nothing they could do to provide me access to those funds.
Product: Debt collection

Have received multiple robo calls stating that I have an outstanding balance. But when I contact the company they have no record of debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX continually have reported closing balances incorrect and have not adjusted my credit score accordingly. These cards are paid down extremely fast each month and my credit score is not reflecting the current balance each month! Please have this corrected, because it is affecting my ability to get a low interest rate loan. I have attached documentation that reflects balances as of XX/XX/2023.
Product: Payday loan, title loan, or personal loan

Security finance in  XXXX  Tennessee reported late payment to the credit bureau  XXXX   XXXX  2016 I have since paid the account off and owe a  XXXX  balance however the account is still showing a negative mark on my account and severely affecting my credit how do I go about having this removed.
Product: Debt collection

XXXX XXXX XXXX XXXX Has failed to produce Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
They have falsely reported a debt with FCRA validation that has resulted in a XXXX XXXX in credit. This account has not been properly validated nor was the consumer notified. 
XXXX XXXX XXXX XXXX Has been removed from XXXX XXXX XXXX  for fraud but company continues to report to Transunion
Product: Payday loan, title loan, or personal loan

Due to mechanical problems, I borrowed {$1000.00} to make a down paiement on a car with a payday loan company Amplify funding on XX/XX/20 with an interest charge of 734.73 % and finance charge of {$2200.00}. Payments are due every 2 weeks for {$260.00} starting XX/XX/20 which is not only ridiculous and a rip off. I didn't realize that until after I signed the contract and reviewed it more carefully. The maximum interest rate a bank can charge in Colorado is 36 % and this bank is tribal and not licensed in Colorado. There's no way I can afford those payments on my current income as I have rent, car payment, insurance and other Bill 's to pay. This bank should not be as allowed to be in business and ruins peoples credit. I am already struggling and the last thing I need is to have debt with high interest and payments I can't afford. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. I recently reviewed my credit report on XXXX and noticed that my positive credit card account with XXXX XXXX has been deleted from my Equifax credit report. 

After contacting XXXX XXXX customer service, I was informed that they reported to all three credit bureaus on XX/XX/year>. However, Equifax has failed to accurately reflect this information on my credit report. I will be uploading screenshots to demonstrate the discrepancies in the accounts listed. 

Furthermore, Equifax has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide Equifax with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it. 

I kindly request that the CFPB intervene and compel Equifax to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I requested my full consumer file from Lexis Nexis. After several calls and emails, I finally received a PIN in the mail only to access the website where the PIN took me to blank web page. I've been emailing and calling since XX/XX/XXXX and I have yet to receive a response to any of my emails nor have I received my consumer file which I was last told it would be sent to me about a week and a half ago. This affects my insurance rates and based on my most recent insurance company rate hikes etc... I have reason to believe that the information on my file with Lexis Nexis is incorrect and I would like to review my full file due to misinformation and incorrect reporting and potential false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with Equifax and XXXX, I was told that the information has been verified by a third party company called XXXX. 

I then contacted XXXX on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to Equifax and XXXX. on XX/XX/2021, XXXX sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my XXXX report. 

I contacted Equifax and XXXX  on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
Equifax, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. XXXX that XXXX was able to verify this information with the courthouse, and that this record will remain on my credit report. 

XXXX, closed this dispute on the Thursday, and XX/XX/2021. XXXX  also reported that XXXX was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my Equifax and XXXX  report is not mine. The " third party '' that is selling this misinformation, ( XXXX ) is either continuing to sell this misinformation about me, or Equifax and XXXX  are not truly " investigating '' the dispute I filed with them. Considering Equifax was able to close this dispute within XXXX days, over a weekend, tells me everything I need to know. XXXX  continue 's to say " The company that reported this information has certified to XXXX  that this information is accurate '', ( XXXX ). 

I expect to have this incorrect public record removed from my Equifax and XXXX  credit report ASAP.
Product: Credit reporting or other personal consumer reports

The following inquiries appear on my credit report and have not been authorized. Needs to be removed asap THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERSMISSION OR WRITTEN CONSENT OR PERMISSION.. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMIVED FROM THERE XXXX 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 first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my early 20s so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. These people opened cell phone and bank accounts, got medical service, and even received student loans under my identity I tried to get everything situated with credit reporting agencies but to no avail. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.
Product: Money transfer, virtual currency, or money service

I am filling out this class action lawsuit against Cash app Block , Inc Due to inadequate customer service and unfair practices which can violate the consumer financial act. Cash app did not take the appropriate time or measures to prevent fraud leaving my account vulnerable as well as my personal information. Also, cash app did not abide by the electronic transfer regulations leaving my signature, vulnerable, and again my personal information. This has caused financial Loss and inconvenience. I am seeking adequate financial compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation Hard Inquiries : XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To close the complaint recapture of 12 U.S.C. Section 92a certification recalls to credit reporting, separation of powers clause the illicit exporting excise exempt personal property certificate assessments Financial Statements XXXXXXXX  periods in rudimentary analysis to 7 C.F.R. Part 3052, third parties 12 U.S.C. Section 1832c instrument withdrawal applications, the export auditing identifiers fees due concerning 18 U.S.C. Section 2314 owner exempt tax stamps affected 18 U.S.C. Section 661 Federal Reserve Banking laundering ; the scope unchanged as to third parties sanctions preventive measures against securities underwriting, these transactions, the sales of original issues Customer Name XXXX XXXX. The revised " XXXX XXXX Financial Statements '' appropriation separate applicants review of the interstate export in-bond destination hold port discrepancy identifiers, ( Identity theft 18 U.S.C. Section 1028A ), procedures for duties 19 C.F.R. Part 24.1, in description of third parties withdrawals, 19 C.F.R. Part 18-19, 12 U.S.C. Section 1821d contractors or employees, personam requirements auditee 's book-entries, ( IRS-TreasuryDirect ) and DCOTR Names, Addresses, Titles, SSN 's, EIN 's, Excise Tax Stamp Rate Uses, Banks-FRB 's, Contractor 's, Currency Withdrawals ' of, Original Issue State, Original Issue Auditors, Original Issue Treasurer 's, Original Issue DOR, Original Issue IRS. Separated Appropriation duties payment, Export Applicant 's Auditors In bond changes 18 U.S.C. Section 554, customs duties, taxes, fees, interests, and other charges requiring the use of a social security numbers, passport numbers, or driver 's license numbers, Export Applicant 's Auditors States, Third Party Applicant 's conspiracy in connection to Bank-FRB 22 U.S.C. Section 2778, Third Party Jurisdiction and Classification Determination, to extent of state jurisdiction sales.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting

I have contacted Experian several times trying to get a copy of my credit report. I also sent in several dispute letters too. But I have not heard nothing back from them. I do n't know why they are not responding but I 'm pretty sure that it is the law that they have to send me my report once every year and also respond to me when I dispute something on my credit report. I tried calling them but I can not speak with anyone without a credit report and since I ca n't get my credit report I ca n't get anything done.
Product: Credit reporting

It is about a year I am in the XXXX and have an account at XXXX XXXX XXXX. I also have a travel reward credit card, but when I wanted to get my credit report from Credit Karma, I was told they could not find my information, or there was a mistake in my information, but I am sure I did not make any mistake.
Product: Debt collection

I have amazing credit. One day my score dropped and I went to see why. XXXX XXXX had a collections for {$70.00} on my report. I have n't had a cable account in a few years. This is Money I was never asked to pay and do n't believe that I owe. I told the collections company and wrote a letter to dispute and it was removed. Now it is appearing again through Stellar Recovery Inc. I disputed with them and opened a case with the BBB ( Finalized XX/XX/XXXX ) They said they would send verification of debt but I never received. Not to mention, you can show me a bill all you want. I ALREADY SAID THIS IS NOT SOMETHING I WAS AWARE OF! How can I pay a bill i did n't see until it was on my credit report? Furthermore, the date of collections on my report is WRONG. It shows the day that Stellar acquired the collection NOT the orig. date. This is not legal and should be REMOVED FROM MY REPORT DUE TO ILLEGAL PRACTICES. This is stright from XXXX : " Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency. ''
Product: Credit reporting or other personal consumer reports

Experian has repeatedly reported inaccurate information in my credit report. They have my ex ( deceased ) husbands ss number listed as mine, they have the wrong name as mine, as well as accounts such as a XXXX card which I have not applied for listed on my report. I have addressed every issue several times to no avail.
Product: Vehicle loan or lease

XXXX of XXXX, I purchased a XXXXXXXX XXXX  XXXX which costed XXXX and the interest rate of 26 %, which ended up being around XXXX. In XXXX a dear hit my car, and after the process, of my insurance claim, the car was a total lost, my insurance did there part, paid for the car, and I received a receipt from the lending company stating that the loan was paid in full. When I talk to them they did not honor, the fact that the loan was paid in full, and stating that I still owed on the car. Thats why today Im making a complaint because Im out of a car and trying to purchase another, and I would like global lending to honor there receipt of paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for debt validation to the creditor, XXXX XXXX on XX/XX/18. They have not responded and it has been over 30 days. As per FCRA ruling they have 30 days to respond to and request for validation or the account must be removed from my credit report immediately. XXXX XXXX has failed to respond in the allotted time and I am requesting that the account be removed from all my credit reports entirely. Attached is my original documentation of the request for validation dated XX/XX/XXXX along with the receipt for the mailing postage. Please remove the accounts portfolio recovery, from my XXXX, Equifax and XXXX  Reports. DO NOT RESPOND TO THIS WITH A NOTICE TELLING ME THE ACCOUNTS ARE VERIFIED. The verification request was sent to the creditors and ignored past the 30 day ruling of the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

I recently got scammed by a friend. I was in need of some financial help, so he wrote me an echeck. I thought the check was legit turns out it was not, and he was part of a new scam. Unaware of this and being too trusting I deposited the check, only to receive an email that my bank accounts are closing, as a result of this my credit score dropped significantly. This all occured on XXXX XXXX, 2023. I asked the bank to keep my account open as I am a victim of a scam as well, I have a constant deposit into the bank and good standing with them.
Product: Credit reporting, credit repair services, 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 1681, Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX* 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of the information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have credit score of XXXX and I got the promotional offer from CapitalOne to apply for the credit card. When i am applied, application is rejected. Why they sent me the offer if they are going to reject me. Instead they are willing to offer somewhat less desirable credit card