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

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and XXXX XXXX Dear XXXX, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the XXXX XXXX XXXX under Sections 392.301 and 392.305, as well as XXXX XXXXXXXX XXXX XXXX XXXX XXXX which pertains to identity fraud. 

It has come to my attention that XXXX has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, XXXX law under Section 392.301 of the XXXX XXXX XXXX prohibits the reporting of consumer credit information without proper consent. Additionally, Section XXXX provides specific regulations to ensure fair and accurate credit reporting practices. XXXX  XXXX XXXX XXXX XXXX, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that XXXX immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( XXXX ) and the relevant provisions of the XXXX XXXX XXXX ( Sections XXXX and XXXX ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under XXXX XXXXXXXX XXXX XXXX XXXX for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring XXXX into compliance with both federal and XXXX state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that XXXX will swiftly correct these violations and respect my rights under the law.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX BANK XXXX XXXX A Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the credit bureau are required to remove any account listed on an id theft report. Please help me find the required documents to assist in the removal of the erroneous information which is being posted to my report. XXXX XXXX XXXX : {$0.00}
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 NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnt XXXX XXXX XXXX and list of Inquiries. 

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: Debt collection

i do not owe this company any debt .... i have not been here
Product: Credit reporting or other personal consumer reports

There are a few addional inquiries that need to be removed from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> Please see attached identity theft report
Product: Checking or savings account

Vystar Credit Union notified all clients that there was going to be an update to the Online Banking and Mobil app. The websites and mobil apps were supposed to be down from Friday, XX/XX/2022 at XXXX pm XXXX until Sunday afternoon, XX/XX/2022. It is now Tuesday, XX/XX/2022 and the website is not up. After many tries, I was able to login. The account balances are not accurate. The available balances and cleared payments do not match what the balances and transactions are when you call on the phone system called XXXX XXXX. Payments that have been made are not showing as being credited to the accounts.
Product: Debt collection

XXXX has been hounding me for ages, and it reached a point where they claim I have a debt. I am not sure when this dates back to, the earliest email I still have from them dates back to XX/XX/XXXX, which is a welcome email, but it feels longer, and I may have deleted prior emails. It reached a point where they state I had eight unconfirmed accounts and emails that I had a {$2200.00} Credit Card debt ( XX/XX/XXXX ). A strange email arrived in XX/XX/XXXX congratulating me for paying off my loan, but was soon followed by more claims that I still had the same debt. My attempts at unsubscribing from what I first assumed was spam, were impossible. Their site always gives an error every time I try, and the only email I managed to send ( XXXX ) was unanswered. 

Yes, this could be an attempt of identity theft, but unlikely, because it is not well done. For a start, they use my name XXXX. XXXX is my middle name, one that I use on a day-to-day basis, but not on anything official. Anything official, such as credit cards, would use my first name, which I am reluctant to write here at risk of increasing my exposure. Some years ago, after the XXXX depression, through to about XXXX, maybe, I was seriously interested in buying a house on the low market, and made contact with numerous brokers, through the XXXX app. I over-analyzed and missed the boar, and gave up the idea, never going beyond inquiries. In those contacts, I would probably have signed as XXXX, and my details may have then somehow reached XXXX through some unprofessional broker. 

The thing is : I do not live in the US, never have. I have traveled there on several occasions. I have never incurred any debt that I am aware of. If I owed traffic fines or car rental companies, the debts would be small, and would come under my first name because that is the name on my credit card. 

My email is being passed on to others, without regard for privacy. Today I received emails from two firms offering to help with my so called debt, XXXX XXXX and Upgrade. I have written back to both, asking them to stop. XXXX XXXX webpage is inaccessible, gives an error page. 

I attach several relevant screen shots of some of the emails received.
Product: Student loan

My interest rate is high ; therefore my balance increased from {$68000.00} to {$140000.00} through forbearances and deferments. The accounts are also duplicate on my credit report, showing loans belong to department of education, navient, and XXXX. The amounts are duplicate and negative on each account, lowering my credit score. Staff with Navient are aggressive and not willing to lower payments. I am a single mother that can not afford proposed payments. I am also concerned about the rate in which my balance increased.
Product: Student loan

My student loan interest seems to be extremely high. It is getting more difficult to enter a payment plan that I can reasonably pay every month.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 
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

information was compromised during the massive 2017 XXXX  data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a XXXX theres a lot of suffering
Product: Credit reporting or other personal consumer reports

XXXX XXXX did not provide me with a contract, a copy of my license or my social security number to prove this fraudulent account belongs to me. This account is reporting as a NEW CHARGE OFF and it is not accurate
Product: Checking or savings account

I purchased an item for {$120.00} via XXXX. The item was damagedthe skirt was black with several bleach stains. I called Chase, and the representative, XXXX XXXX from the XXXX, filed a claim on my behalf. He told me that because the item had arrived damaged, I was protected under Chases guarantee that I do not have to pay for items that were delivered and were not as described. He said that I would receive a credit to my account in 24-48 hours, and Chase would get the money back from XXXX for me. He then told me to go ahead and discard the item. Chase recently contacted me to say that I had filed the claim past their 60 day window and reversed the credit. XXXX XXXX from the XXXX did not tell me about any window. I was informed that I needed to contact XXXX. XXXX said that, although they had ruled in my favour, because I had discarded the skirt, as per the instructions of the Chase representative, Chase would have to file a claim for fraud in order for XXXX to give me back the money. They needed the skirt in order to return the money. As there was no skirt, Id have to go through Chase. A Chase representative, XXXX XXXX, Account Supervisor for Claims Escaltion in Texas told me that even though XXXX XXXX told me to discard the skirt and that Chase would get my money back, it was my fault for throwing away the skirt, and Chase was not liable. I hung up and spoke to another representative who expressed shock that XXXX XXXX would make such a promise and tell me to discard the skirt and wrote up a formal complaint. He insisted that Chase could not pursue the claim, despite all of this and my explaining that XXXX was willing to give me my money back if Chase pursued a claim.
Product: Credit reporting or other personal consumer reports

In accordance to 15 U.S CODE 1601 ( charge off ) ( late payments ) XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

I had a XXXX XXXX credit card. That credit card got stolen and a balance was run-up. I called and reported it along with a police report. 
XXXX XXXX did not do anything about it. They denied me and insisted the claim was false. The claim is not false, someone did, in fact, steal my card. 
XXXX XXXX did not honor its zero fraud policy. 
Now they plan on sending the balance on that card to collections. 
I will have a bad credit score because this company failed to honor its fraud policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : 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

I have sent and call both XXXX XXXX, Transunion, and XXXX   regarding TWO unauthorized charges on my reports for XX/XX/2018 and XX/XX/2018. Both of which was not authorized by me. I sent faxes to XXXX and Transunion requesting an investigation XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 as well as XX/XX/2018. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding, a company which I found out is well known for shady practices after a simple XXXX search, is reporting inaccuaretly to the credit bureaus. They are reporting it as X/2017 even though I have n't had any credit in at least 3 years, and I certainly did n't have any credit with them or XXXX XXXX. I have disputed this and the credit bureaus have failed to get proper documentation and due to the reputation of LVNV Funding I will not be contacting them. I have never received any contact via phone, email or mail from this company and the credit bureaus are not having them provide as requested twice.I want documentation proving the origin and details of the debt as I 've been provided nothing thus far per requests.
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 involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am a victim of fraud from the XXXX XXXX XXXX XXXX and XXXX and the lender Mosaic Solar. I had agreed to begin the design and construction for XXXX XXXX 's and he just had me do the Mosaic loan. It was done on his phone and I do not speak XXXX but apparently the lender gave the contractor {$150000.00} and he never gave me a contract. I have tried to get a hold of him to no avail. I even made the payments because I had perfect credit and wanted to protect it. At this point I want the loan cancelled, especially since absolutely nothing has been done, and Mosaic keeps calling me and my XXXX  children for the payment. I will no longer be paying the loans, there are XXXX for $ XXXX each. Mosaic gave the funds to the XXXX XXXXXXXX so they should collect from him since he left with ALL of the money. Mosaic should collect from him and cancel the XXXX loans and give me back any and all payments I have made. Please do this immediately. 

My next step will be to hire an attorney to protect myself. I have sent photographs and evidence that nothing was done that Mosaic has requested. If this is not immediately cancelled I'll have no choice but to file a suit and complaint to the XXXX XXXX against the XXXX XXXX and Mosaic because this is beyond unfair. I shouldn't have to be financially responsible for what the XXXX XXXX and Mosaic have done. I will also be filing a complaint with every government agency, especially those that regulate Mosaic. 

I need confirmation within 30 days. 
These are the loan numbers. 

Loan # XXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late/Open XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the reporting agencies and national credit systems ( NATLCRSYS ). They reported on my credit that I owe {$1900.00} or {$1900.00} and I've asked for explanation, in writing, of why I owe this amount, with proof and summary. I haven't gotten any response with those details but they're putting it on my credit as collection.
Product: Credit reporting or other personal consumer reports

I am writing to address the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. This marks the multiple time I am reaching out regarding this issue, and I am deeply concerned about the impact it is having on my financial standing and credibility. 

Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have adversely affected my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 went to a used car dealership on XX/XX/2019 at XXXX XXXX XXXX in XXXX XXXX to test out a XXXX on their lot. Met the salesman, test drove it and I loved it. After three hours of negotiating a contract I was able to get the deal and price I wanted. I signed numerous papers and was told my car would be ready in two days so they could detail it. 

Two days later I get a call from the manager telling me the car has numerous leaks and they wont sell it to me now, and that its being put up for auction. I told him my family member is a mechanic and Id like to have him look at it, knowing this already seemed fishy. He told me no and that their reputation stands by it. He said I can look at other cars on the lot and get one of those, I told him no, the Jeep was what I wanted and came for and that they should honor my contract or terminate it. 

He terminated it. Found out he sold the XXXX to another person. Now, I have all these inquiries on my credit report that I can't get a loan approved for it. Many of these inquiries I didn't authorize.
Product: Debt collection

This account was paid in full the XXXX XXXX XXXX website