23daVinci/CFPB_Complaints huggingface dataset:
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 1681. has violated my Consumer rights : Account name : XXXX XXXX XXXX Bankruptcy : # XXXX, Account name : XXXX  XXXX XXXXXXXX XXXX XXXX # XXXX Account name : XXXX : # XXXX, Account name : XXXX XXXX  : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX : XXXX 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 information Any other adverse item 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 reporting, credit repair services, or other personal consumer reports

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because According to 15 USC 1681 : I have the right privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX XXXX XXXX  Account Number XXXX  XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX  XXXX XXXX XXXX XXXX Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX Account NumbeXXXX XXXX XXXX Dept of EduXXXX Account Number XXXX  XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of EduXXXX  Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX XXXX  Dept of EduXXXX Account Number XXXX  XXXX Dept of EduXXXX Account Number XXXX XXXX Dept of Edu/XXXX  Account Number XXXX  XXXX Dept of Edu/XXXX  Account Number XXXX XXXX Dept of EduXXXX Account Number XXXX  XXXX US Dept of EduXXXX Account Number XXXX XXXX US Dept of EduXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally file a complaint against Experian and XXXX for false reporting on my credit report, which has significantly damaged my XXXX XXXX and adversely affected my livelihood. 

Background Information My name is XXXX XXXX, and my Experian credit report reflects inaccuracies that have unjustly reduced my XXXX XXXX to XXXX, along with XXXX reporting my XXXX XXXX to be XXXX, placing it in the Poor category. This false reporting stems from issues including : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX which is the same account : Marked as potentially negative without accurate updates or justification. 

Case Number XXXX involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was closed as of XXXX XXXX XXXX, following a voluntary dismissal. There should be no remaining balance or negative impact associated with this account. ( Reference : XXXX XXXX XXXX. 

These errors have resulted in significant financial and personal distress, including : Denial of credit opportunities. 

Inability to secure better financial terms or loans. 

Detrimental effects on my ability to maintain and improve my livelihood. 

Impact on My Livelihood As a result of these inaccuracies, my livelihood has been severely affected. The wrongful classification of my creditworthiness has : XXXX my ability to secure essential resources and services. 

Created undue stress and financial hardship. 

Requested Resolution I request that the Consumer Financial Protection Bureau investigate Experians and XXXX 's false reporting practices and require the following : Immediate correction of all inaccurate information on my credit report. 

Removal of any negative entries linked to resolved or dismissed cases, including those from XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX 

Compensation for the financial and emotional damages caused by these reporting errors. 

I have attached supporting documentation, including court records and current credit report summaries, to substantiate my claims. ( References : Case Documents, Experian Credit Report Summary, XXXX Credit Report Summary ). 

Contact Information XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I trust that you will address this issue promptly and fairly. 

Sincerely, 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 federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 7 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: Debt collection

I do not owe this debt it was paid in full in the amount of {$2200.00} back in 2015 that I was sued for. I have extensive proof which I can and will provide. They have stated that I owe another XXXX  which has not been proven. I have made several attempts to contact NCC BUSINESS SERVICES via email and phone. On the 1st occasion I talked to someone in XX/XX/XXXX that told me that it would take 1-2 business days. I called back 3 days later and then was told it would take 3-4 business days. I waited a week to call back and talk to another person which told me that it would take up to several weeks to receive, and that they would have to get proof from XXXX XXXX XXXX. These are the people that own the XXXX XXXX XXXX XXXX XXXX. I called them and they stated they do not know of any moneys owed. I have been getting the run around for years for proof of where this extra money is coming from.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report I noticed an unathorized inquiry on my credit report. I did not apply for an account through Best Buy.
Product: Credit card

Synchrony bank, this company credit card is a scam for the consumer. they uses cheating system to scam the customers .they operating a corrupt system that scam the clients .they leads to making payments for non-existent lateness fee, high interest payments, fines for not paying the total debt per year, fines illegal on fines carried forward in each promissory note, carry over fines that generate arrears of the arrears for the current year, minimum charges that add very little to the original capital, at the and of the year your payments do not reflect reducing the debt account and what they doing is increase the original capital .in conclusion i recommend that this company be investigated, they are dangerous for the consumption of our community vulnerable people who needs using a credit card. I FEEL POWERLESS TO SEE HOW THIS COMPANY DEMAGE MY CREDIT REPORT WITH LIES REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # 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: Checking or savings account

On XX/XX/XXXX I deposited XXXX into the bank and accidentally left my debit in the machine. Two hours later I received an email informing me that my card was being used. I immediately turned the card off and contacted Wells Fargo. There was a language barrier and the individual who took my claim completely wrote the information wrong even after I attempted to correct her. They conducted the investigation on her information and refuse to admire fault and return my money. A police was made and they refuse to acknowledge its
Product: Prepaid card

During the pandemic bofa lost XXXX  of unemployment money. This cause me to losey car and now when I call them keep send me back and forth through departments
Product: Debt collection

The Cadle Company, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with XXXX XXXX XXXX, which is now owned by XXXX. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the Cadle Company and she was very rude and would not provide any information on rectifying this situation.
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 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX  XX/XX/year> Experian XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> 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 information Any other adverse item 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 reporting, credit repair services, or other personal consumer reports

improper use of my report ; In accordance with the fair credit reporting act this creditors has violated my rights pursuant to 15 U.S.C. 1681 section 602 states i have the right to privacy.

15 U.S.C. 1681 604 ( a ) section 2 Credit Reporting Agency can not furnish an account information without my written instructions.

15 U.S.C. 1666 ( b ) a Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

While checking my credit report a few months back, I noticed errors concerning the account for GRIMM COLL ( XXXX ). This is a violation of my rights. I contested these errors with the XXXX credit bureaus and the collector, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of XXXX XXXX. 

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( XXXX ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( XXXX ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to delete hard inquiries on my XXXX report they come back the next few hours and say that the inquiries will remain on my credit report, they are not investigating the inquiries. The inquiries that I did not approve. I never approved of these inquiries. On my credit reports, there is a block/freeze on all three reports. These companies manage to get into my credit report without my prior approval. I was never contacted by either of these companies to check my credit. This is identity theft. XXXX and XXXX notified me of the dark web that shows all of my information out there. Even some of my children 's information is out there alone with mine. Most information out there is false and I did not give these companies my approval to check my credit. I am a victim of identity theft. My name is out there on the dark web and my social security number but some of the addresses are different and some other information out there is incorrect. Most importantly my name and birthday are out there and that's the main source. I did not give these companies my permission to check my credit. My credit has a block/freeze on them and no one contacted me to open up my credit files, they just went in and check my credit without prior approval from me. this is identity theft. I never gave them permission to check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Equifax requesting " all methods '' of verification pursuant to FCRA 611 ( a ) ( 7 ) for the unverifiable and erroneous reporting of a bankruptcy on my credit file with Equifax. I received their correspondence stating that their method of verification of the subject item in dispute was verified by a third party vendor XXXX. 
On XX/XX/2020 I contacted XXXX in writing disputing their report of the bankruptcy in the public record section and responded on XX/XX/2020 that they were unable to VERIFY THE ACCURACY of the bankruptcy case therefore removed it from their record. 
As result I sent a dispute letter dated XX/XX/2020, to Equifax. I included the same correspondence letter from XXXX that the bankruptcy was unverifiable and that it was removed from my XXXX record so that Equifax may follow the laws remove this unverifiable bankruptcy off my credit file. I also have a letter from the US Bankruptcy Court stating they do not verify or provide information to the credit bureaus nor to XXXX. Unfortunately, Equifax negligently responded in their correspondence dated XX/XX/2020, that the bankruptcy on my credit file in the public record section WILL REMAIN on my credit file and the bankruptcy is " verified as accurate '' in-spite of the their 3rd party vendor XXXX is not able to verify it and has removed it from my record. Pursuant to the FCRA, it is illegal to report inaccurate information. Equifax is in clear violation of this rule. They lied about their verification and continue to report it on my credit file. I demand that Equifax be investigated and apply any penalties allowed under the law for violating the FCRA laws meant to protect me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I claimed a chapter XXXX bankruptcy in 2008 and it was discharged with {$0.00} balance and I have disputed it with both credit agencies and it still will not come off my credit report..The local bankruptcy department had told me to file a complaint with you to get it taken off my XXXX XXXX and equifax reports.
Product: Credit card

On XX/XX/XXXX we ordered meals for our student from XXXX XXXX. The food was spoiled and children were sick. The sauces were smelly and looked rotten. We paid {$270.00}. When we did a dispute, visa told us that they do not refund or give credits for things like this. Yet we are liable for paying the credit off.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years, I have been investigating my credit report and this process has caused XXXX XXXX upon me as XXXX, XXXX, and Transunion Credit reporting continue not to respond toall of my disputes, report inaccurate information on my report, and fails to verify the inaccuracies. Information between the three reporting agencies varies tremendously. TranUnion consistently have ignored all of my disputes. I have had my identity comprised several times from my previous employers and even by XXXX. My monitoring of my credit file has unverifiable, invalidated, inaccurate, and questionable items that these agencies were reporting as 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rightsprotected consumer rights to privacy and confidentially under XXXX XXXX XXXX 

XXXX XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX  XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

Under 15 USC 1681 section 602 A, I have the right to privacy. Under 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) 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 seven years.

15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information isinaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention several alarming discrepancies in my credit report, which I recently reviewed in detail. I have identified multiple inaccuracies, including : Erroneous account entries that do not belong to me. 
Billing inconsistencies that do not reflect my payment history. 
Accounts that I have no knowledge of or affiliation with. 

These inaccuracies are not only misleading but are also severely compromising my financial security and creditworthiness. This matter is of the utmost importance, and I am requesting your urgent assistance in investigating and rectifying these errors.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} - charge off XXXX : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} - charge off TransUnion : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX. XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} - charge off
Product: Student loan

A caller claiming to be from navient told me a missed payment was overdue. I know that my name has been removed from all navient loans. I also know the borrower keeps up on the loan payments. Therefore this was a scam call. I hung up. The offending phone number is XXXX.