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

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. 
I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX 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 XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was trying to purchase a home for my family and after my grandmother passed away but was unable to complete the process due to inaccurate information listed on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I purchased a pair of concert tickets for {$50.00}, the seller chose PayPal as the method of payment and instructed me to choose the " friends and family '' option. Me, who rarely uses and is largely unfamiliar with PayPal, agreed and sent over {$52.00}. Once I was emailed the tickets, I discovered that I was not forwarded the ticket order shown to me during discussing purchasing the tickets but rather forgeries. I immediately contacted PayPal to try and cancel the payment but was told since the money was already sent with the 'friends and family '' option there was nothing that could be done besides contact the seller and ask for a refund- which I promptly did and was denied.
Product: Bank account or service

In XXXX Bank of America gave us a line of credit. During the recession XXXX we started to draw funds from the line of credit. When the amount drawn totaled {$72000.00}, Bank of American withdrew the facilities and demanded payment of the balance. We were unable to meet the demand. XX/XX/XXXX, Bank of America obtain a Judgment of {$97000.00} against XXXX parties. On XXXX XXXX, XXXX we offered through the Bank attorney 's office to settle the judgment in full for {$40000.00}. We made the payment of {$40000.00} and received an acknowledgement that the payment was for full settlement. The Bank accepted the offer and instructed their attorney to draft settlement documents and the release of all parties. Two weeks later the bank reneged on the agreement. They stated they would change the terms for the agreement they had previously given their consent. 
They now will give partial release for only XXXX of the XXXX parties. We stated that they can not change the terms of an agreement after they had accepted {$40000.00} check for settlement. Nevertheless Bank of America proceeded to change the agreement and insisted that we sign a statement confirming that we had willingly and voluntarily accepted the violations to accept that partial release the bank again insisted that we sign a document require us to abandon all legal rights. We advised the bank through their attorney 's office that these documents were signed under duress. On XX/XX/XXXX Bank of America sent us a demand notice demanding {$66000.00} as final payment of the agreement they violated.
Product: Debt collection

Date : XX/XX/2023 {$220.00} ( Not my debt ) Called XXXX, XXXX ( XXXX ) and was notified. I do not have a XXXX account Receive the letter from debt collection by Amercan Coradius International LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX  ).
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I asked for them to be remove and the bureaus did not do as I asked. I'm providing an identity theft report and I'm requesting that they be removed because they are inaccurate and not mines.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my privacy and confidentiality under FCR 15 USC 1681 XXXX # XXXX - XXXX XXXX Acct. # XXXX XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX XXXX 
Acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15USC 1681 section 602 A states I have the right to privacy.

15USC 1681 section 604A section 1 states a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c ( a ) ( 5 ) states that no consumer report 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 more than seven years.

15USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency or person knows or has reasonable cause to believe that the information is inaccurate.

I request that these accounts are removed from my report of credit due to these violations and inaccuracy of the reporting.
Product: Credit card

I have ( XXXX ) 0 % with ( XXXX ) different date that they mixed up and now send statements with the ( new one ) due on XX/XX/XXXX. Should be XX/XX/XXXX. They are telling me their ability to correct this is not possible because they have a problem with their ( system ). They only tell me this on the ( phone ) and will not send me a letter acknowledging their error. They do not print the amount next to the promotional offer ID on their statements. ALL OTHER CREDIT CARD COMPANIES DO.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that tXXXX 
XXXX XXXX XXXX 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

Equifax notified us that it is possible that our personal information had been breached. They offered a system to check to see if it indeed had been breached. My information had not, but apparently my husband 's personal information -- including credit cards and soc sec #, etc. -- was possibly breached. Equifax then offered to give him one free year of monitoring, but said that he had to waive his right to sue if their breach caused him harm and said that he 'd have to pay after one year. On top of that, it appears that the Equifax chief officers sold stock and made a large profit before informing us of this breach. This is outrageous. Equifax should have to make good any harm caused by their negligence in handling our personal information. And the officers should not profit off of this egregious negligence while millions of Americans and XXXX have had private information exposed and may suffer harm years from now because of this. Beyond disgusting and I hope the US Government goes after these guys.
Product: Credit card or prepaid card

Will not refund late fee and they run a program and they have not limits yet they state XXXX XXXX doesnt qualify. We have had several phone calls blocking any assistance at all.
Product: Checking or savings account

Someone made a withdrawal from my account without my consent or knowledge. Also I have been charged outstanding fees also my account was opened with a {$200.00} deposit and subsequently charged fees and closed without my consent
Product: Credit reporting

Requested a credit report online. It was nearly impossible to determine what the cost of the report was. There was lots of wording anout a credit monitoring which I didnt want. But Experian somehow signed me up for a monthly fee which would be well over {$260.00} per year. Apparently, I was given a 10 day trial period. At the conclusion of that time, I was billed XXXX. The issue here is really about how skillfully Experian hides and manipulates those requesting a credit report into their very expensive and mostly useless service. It is a fraud that for most people may be unknown for many months until they notice the charges on their checking statement. This tactic is used by Telemarketers constantly and has no place in credit reporting. I contacted Experian and after XXXX phone calls, they flat out refused to credit my debit card. It is clear that this is a cleverly executed scam, designed to confuse and siphon more dollars from unsuspecting consumers, especially XXXX. This must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian put a security alert on my credit report and left it on for a long time I believe a little more than one year causing me to have lots of hard inquiries because automatically lenders think that the person is not the person who is applying due to the security alert. Now the security alert is off, but the consequences is that it left me with lots of hard inquiries on my credit report. I was denied credit because of this security alert that was on. Please have them to remove the hard inquiries from the past year since I already contacted the lenders and they said only credit bureaus can take hard inquiries off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian CFPB Complaint Experian has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Experian any written instructions to do so. Experian has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act the below creditors/ collection violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement 15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX allowed placement of a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. Within days of filing the initial dispute for the fraudulent account with XXXX, XXXX XXXX XXXX placed the same account on my credit report ( s ) a second time. XXXX resolved the first dispute in my favor and  immediately initiated a dispute for the second placement on my credit report, which is not yet resolved, which makes no since considering it is the same exact fraudulent account that they had just removed. Today, XX/XX/2018, I received an email from XXXX that the XXXX XXXX has now placed the same fraudulent account on my report a third time. XXXX, XXXX, Equifax and XXXX XXXX XXXX are in violation of the FDCPA by allowing a previously disputed and documented account as fraud on my credit reports, attempting to collect a debt that has proven to be fraud, is more than 10 years old and by repeatedly allowing the account to be placed on my credit report and by placing the fraudulent account on my credit report even after the Credit Report Bureaus have resolved the account as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a report on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, gives a statute of limitations on written contracts- XXXX XXXX before a debt becomes time barred. In filling my dispute, the agency took XXXX XXXX and reduced my score by XXXX XXXX, this is in violation of my rights as a consumer and on fair reporting,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

Has been calling and leaving voicemails harassing me since XXXX of last year. I've blocked their multiple numbers, but they're still able to leave voicemail to harass me. No matter how many times I tell them to quit calling they keep calling to leave voicemail! I have absolutely no debt whatsoever. They are harassing me with multiple numbers and I have the call logs to prove it! They are now calling me from XXXX since XX/XX/2022. I have screen recordings of how long the harassment has continued.
Product: Checking or savings account

Capital One removed XXXX from my bank account without authorization. I revoked their authorization and I want them to refund my money and I want them fined for doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/2025 As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire new financial products. 

I have requested contracts from this company with my information but I have not received any response from them, please help me immediately delete this account. 

Here I add the FTC report hoping that you make a better decision in m y situation. 

Thak you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to XXXX, XXXX, and Equifax. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I MADE NUMEROUS RETURNS TO KOHLS VIA MAIL PER THEIR INSTRUCTIONS AND PAID POSTAGE AND PURCHASED TRACKING AND CONFIRMED THEY RECEIVED THEM ALL. THEY RECEIVED MY RETURNS AND DID NOT ISSUE PROPER CREDIT OR REFUNDS AND WHEN I CONTACT THEM ABOUT IT THEY ADVISE THEY CAN NOT LOCATE MY RETURNS EVEN WITH THE TRACKING AND DETAILS AI PROVIDE AND SAID THER IS NOTHING THEY CAN DO TO HELP ME THEY HAVE HUNDREDS OF DOLLARS OF ITEMS I RETURNED TO THEM AND NEVER ISSUED CREDIT THIS IS VERY WRONG
Product: Checking or savings account

I had fraud on my account for XXXX with chase I call in to advise them that I did not do that charge they adv that they cancel my card which they didnt I had to call back in which they adv that the rep forgot to cancel ... this was from XX/XX/XXXX they reverse gave me a credit then today XX/XX/19 they reverse back credit stating that after investigation it was not fraud bc I have used that atm before and my PIN number was enter without any issues ... I try calling chase to adv them that Im having issues with my roommates which I adv before when they had ask me if I could think of anyone that may have access to my card I cant point finger who may have steal my card and used it ... they are telling me bc my PIN number was in my purse by chase law it states that I should not write down my PIN number ... this is unacceptable and I feel like Im not being protected by my bank ... I have the same Issues with my other bank and my credit card which investigates it was fraud and credit me my acct but chase is telling me foolery ... and I need my account to be credited bc now I feel like Im not protected by fraud with my bank ... .this is the 2nd issue Im having since I got this account with chase ... now my account is overdraft in a negative balance no letters nothing from chase telling me the status of my claim just a reversal in my acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX  XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

On XX/XX/2023 I purchased XXXX XXXX prepaid gift cards from XXXX. One in the amount of {$100.00} and another in the amount of {$200.00}. Both we gifted to my sister who immediately informed me that they had been used, the card numbers scratched out, and repackaged. I reached out to Target for resolution and redirected to XXXX who requested proof of purchase, pictures of the gift cards, my contact and drivers license information. I submitted this information XX/XX/2023 and received a case number of XXXX. To date, XX/XX/2023 XXXX has not provided resolution, I am out of {$300.00} and every attempt to follow-up and request a status update results in me being left on hold for excessive amounts of time. I provided all the necessary documentation and have still received no resolution from either merchant ( Target/Visa )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

XXXX continues to furnish information on credit file. Im unaware of this account. Ive made several attempts to contest to contract, in addition validation of signature, company failed to comply according to FCRA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i sent a letter regarding my inaccurate and unverifiable informations on my credit report. to this day over 60 days later. i haven't received any response yet. I'm so stressful about this situation
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - XXXX XXXXXXXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.