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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A few months ago I discovered that this company was reporting a collection on my credit report. I disputed the collection with the credit bureaus, but it came back as " verified ''. I then sent this company a request for validation and they ignored my request. It is my understanding that FCRA requires that a collection agency contact a consumer and give us 30 days to contest a debt prior to them placing the debt on a credit report. This was not done. Neither did they respond to my request for validation of the account.
Product: Money transfer, virtual currency, or money service

I started getting emails from card.com about an account in my name. I now received a debit card in the mail. Both showed an account in my name. I tried calling the bank associated with that account and they referred me back to card.com. The problem is there is no way to contact card.com. They require me to give my full social security number which I will NOT do. So I want this account closed, marked as fraud and I want to know when and how it was created. I have a freeze on my credit so this should have never happened. There is no way to get in touch with anyone from card.com
Product: Debt collection

I.C. SYSTEM, INC has an account on my credit that is not mine/inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt from XXXX XXXX XXXX showing as collections for {$1200.00}. It shows this account was opened in XX/XX/XXXX. This is for a cable provider. I have not had cable since XXXX and this has been on my report as collections since XXXX. I had XXXX XXXX in XXXX and things feel behind soon thereafter. This was one of those bills. My marriage ended in XXXX and this is one of those bills I could not pay because I had to keep my XXXX son in his special school. I understood that the cost would be this stayed on my  credit report until the end of XXXX. But they reported it as new again. I disputed it and they claimed it is a new account. The service address was XXXX XXXX XXXX. I have had 2 addresses since them. The amount is also not correct because I eventually turned in the cable boxes and remote controls that they charged me for but they never took it off my balance since it was gone to collections by then. 

I understand it was my bill. I also have been denied credit and paid higher interests rates on the credit I have been able to secure as I try to rebuild my credit because of this collection that has been on my credit for more than 8 years now. For many years I couldn't event get internet because XXXX XXXX was the provider. I did limited internet on my cellphone because that was all I could afford. But obviously that was a problem I caused for myself because of this problem. 

Please confirm that this is NOT a new account and that this has been reflected as a collections account since XXXX. I have old versions of my credit reports if you need them. Thank you for helping me move on from this very dark chapter in my life and start building a responsible credit profile.
Product: Mortgage

After I did modification my first loan in XXXX, my second loan remained same 11.5 %. It was difficult to pay. Every 6 months the landers were change and made me difficult to make deal with them. 
And on XXXX, XXXX the new lander XXXX XXXX of my second loan, sold the property as a foreclosure house an auction to somebody else, who evicted me from my propertys even if I paying my first loan. Before they sold the house many times I contacted to my first lander and explained the problem. But they did not even try to help me. After I left the house I stopped paying my first mortgage. Now they are keep sending the letters thats my responsibility to pay. 
Im confused.
Product: Checking or savings account

I made a payment online with XXXX  today XX/XX/XXXXfor {$25.00}. Once the recipient verified payment she immediately blocked me and did not send my service. 

I reached out to cashapp to report the recipient and ask for my funds to be returned and they told me they can not return funds and need to speak with jpmorgan Chase for a refund. 
I called Chase and they told me no they can not refund my money. 
Had I known cashapp is non refundable in the case of fraud than I could've used XXXX which is for the costumer and will at least investigate before telling the customer no. I feel both cashapp and Chase are responsible in my case. 
I want her account deleted so no one else is scammed and I want my money back
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal and the also violated my rights under 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 state a consumer reporting agency can not furnish an account without my written instructions. 

The initial investigation contact letter was sent via certified mail ( Tracking # XXXX USPS ) The credit report was initiated XX/XX/XXXX, that showed no change and same violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. Experian : 1. XXXX XXXX XXXX - XXXX ; 2. XXXX XXXX XXXX - XXXX ; 3. XXXX XXXX XXXX - XXXX ; 4. XXXX XXXX - XXXX ; XXXX XXXX  - XXXX
Product: Credit reporting

There are several discrepancies with my personal information. The following does not apply to me : I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Other information I would like changed US BANK Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Debt collection

XXXX XXXX XXXX  RECOMMEND NOT. TO DO ANY kind Business With this. company. purposely trying ruin my CREDIT .by placing this account found on my credit report. THAT NOT .OWED, NOT YET HAS BEEN.Proven.l I HAVE CONTACTED this company numerous .POLICE XXXX tried. XXXX XXXX. XXXX times. times. trying RESOLVE MATTE, WHILE this. COMPANY continue filling against my credit report.. GOVERNMENT Needs to CONTACT ALSO, ENFORCE laws against. companies like XXXX. XXXX. AKA. XXXX auto. this account has been Disputed. Numerous. Times.over 3 years. Normally after XXXX credit bueaumake decisions. ..REMOVE noticr this XXXX bein allowed filed. Not going be paid. .NORMALLY WITH BUSINESS LIKE THIS CONTINUES. FILLED TAXES. SOMEWHERE.? REASON Why XXXX HASN'T BEEN PROVEN. That " THIS. ACCOUNT BELONGS TO ME. XXXX. I OWED XXXX HASNT. provided Official documentation .Such listed. dates payments shown history found anywhere on this account Which it does. it follows under. CONSUMER .DID CONTACT ME THIS ACCOUNT HAS OTHER. PROBLEMS THEN PROOF. NAME. FOUND. INCORRECT. ADDRESS, DATES NOT listed ANY WERE ON ACCOUNT .NO WERE.LETTERS. ATTACH below While PAYMENTS bein. PAID.? Found anywhere on this account. Which does fall under FRA. Act. As bein. Consumer. While having enclosed FRAUD. ALERT ATTACT. .SHOWING ON ACCOUNT. WHICH Question THE CREDIT BUEAUS WHOM. companies also fraud alerts bein attached found on this account. .SUPPOSE to warni these companies not to file against my credit report,. Also not to issue credit, until l been officially contracted?. I HAVE Provides proof police report. Spoke to XXXX XXXX bank XXXXep. manerger Whom Once decision was, it to write.off as monitory write off. .This Letter for my service? Due it was bein XXXX. Day. Bein veteran. right off, somehow changed there decision using a CFBP portal? again questions is it just a stunt for the internal. revenue who's gon na be contacted l have been instituted to contact internal. General. Due to Rules also guidelines has bee Broken. after this complaint? 
I don't have any money due to liVIN on fix income. This account continue listing prevents me from. Renting Housings g. Nor apply for any kind loan as veteran United States international revenue will take extra majors regarding investigation th.due to each denial decisions notice affects credit bureaus scores reportin. Founded on credit reports due to found errors l dispute points has been taken due XXXX XXXX XXXX. XXXX  dispute
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX,2017 I saw in TV the commercial of Wetern Union where they offered money transfers in just minutes, and I decided to tried it.I download the app in my phone and I did the transfer for a fee of $ XXXX.What happenned was that my Mom have n't received the money yet, and she has {$0.00} in her bank account, so she ca n't even get medicine or food.How is it possible that they advertise a service that has nothing to do with the reality? My Mom and I were worried from the first day, but we said let 's wait because maybe for being first time users they verified the accounts and the information, but today I checked the bank account and it was still empty.I called them, and they said that the money will be available on XX/XX/XXXX, and they ca n't do anything to help me, just cancel the transaction and wait for the same amount of days to be effective.I explained to them the necessity of my Mom for having the money, and I asked the help of a Supervisor, the person with whom I was talking told me that it is not possible for them to change the transfer once it was made, so I feel very sad and very frustrated because they treated me without any kind of compassion, they simply do n't care.It 's a shame that in this great country things work so bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, LexisNexis ( ref : XXXX ) has recorded that I had an accident on XX/XX/XXXX. 
For the FOURTH time, I have requested an investigation because this accident is not related to me : * My driver license number is not ending by XXXX ( see attached XXXX ) * My car is a XXXX XXXX, not a XXXX  XXXX ( see attached " title property '' ) * My car VIN is not XXXX ( see attached " renewal '' ) * My name is not XXXX XXXX XXXX ( see attached XXXX ) * My address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( see attached XXXX ) * My car insurance is insured with XXXX ( see " letter of experience '' ). I am not insured with XXXX insurance. I contacted XXXX insurance on XX/XX/XXXX, and they reminded me TWICE that my name was ( not is ) not on their record. 

The car insurances " XXXX  '', and " XXXX insurance '' and myself are not aware of any vehicle accident under my name. 
LexisNexis has refused to correct the records. They contacted " XXXX insurance '' and were told the information is accurate, which is probably true. However, this accident is still not related to me, but affects my car history. 

Please advice. 


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

To whom it may concern, I am a single parent trying to raise 3 children.  I recently checked my credit score. I have a few hard inquirys i never authorized XXXX  XX/XX/2020, XXXX/XXXX XX/XX/2020 and it appears on my credit report I never authorized anyone to run my credit on said dates and i did not try to apply for these cards nor did I ever with said companies. This is fraud and I would like removed from my credit file and to all credit agencies unless you can show me a document stating and showing me where I signed & gave permission. I have no relationship with either company. I also see there are Derogatory Marks the first one XXXX  which is on behalf of XXXX I don't owe them anything they are mistaken, XXXX on behalf of national grid they are mistaken. anything involving those 2 companies they were paid and it was resolved and no where near that amount of money. XXXX  and XXXX both on behalf on XXXX  XXXX  pretty sure that one is also something not authorized by me. I am asking under the fair credit reporting act for these to be looked into and to be removed from transunion, XXXX, XXXX  and any reporting companies. Thank you for you time. I have also attached to photo 's so you can see what I am looking for to be removed as it is all inaccurate information which is hurting my credit score
Product: Credit reporting or other personal consumer reports

I have filed disputes to all XXXX credit bureaus since 2019 about my student loan, which is in good standing. They have my student loan listed as in good standing and in closed and default? How can that be? For 5 years I have been fighting these evil monsters to fix my credit report and yet nothing! As a single mom that is also a XXXX XXXX XXXX this is just another form of abuse towards me that is preventing me from buying a house for my daughter and I! I have filed disputes numerous times to get this fixed and they keep saying to call student loans which say it is in good standing. Please help me this Id evil!
Product: Debt collection

Several times and years ( since XXXX to be more clear ) speaking with the TransUnion to dispute some records which been distributed by credit bureau to the several companies prior either new rental lease either purchase a vehicle and/or simple to purchase any property who requested for the Consumers Credit background clearance and used ONLY TransUnion credit bureau and TransUnion produced records which constantly putting me out of any better environment living choices, individual vehicle and/or property purchase as main residency/vacation residency as most Americans do have according not only Federal statistics but local States government too. I find it not only as discriminatory action as selective in corrupted way to produce and maintenance of personal records with data base but abusing XXXX  distributing funds to certainly families and individuals and threatening my civil rights for the cozy, comfortable living and XXXX of life as XXXX individual already by now with XXXX and even distribute wrongful information to other XXXX credit bureaus like XXXX and XXXX what I find very insulting, offensive as valued customer and neat Taxpayer since XXXX and abused by IRS inaccuracy since XXXX already but XXXX in my favor by XXXX XXXX XXXX XXXX ( how household with the very very low annual income average XXXX XXXXXXXX is never allowed for the first time for any financial support in a stage of financial hardship in meantime as so much wasted money in amounts of XXXX around.
Product: Vehicle loan or lease

Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX please remove the hard inquiries from credit report.
Product: Credit card or prepaid card

I applied for credit card thru XXXX XXXX XXXX. I never received card I went in XXXX paid {$100.00} in cash on credit card pmt. They never gave me account number. I have called multiple times and multiple numbers. Each time being told they don't know why I haven't received my card. Or statements.. I have not been able to make payments on my account due to no statements being sent to me.. Someone called from a collection agency I explained the situation and told what I was told each time. They told me I could make a payment to them on it.. I told them once I was mailed a bill with proof of information I would pay but not until. I have no idea where my money would be going or if this was even a legitimate call. Problem has still not been solved and now it's on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint with the CFPB about the collection agency, XXXX XXXX XXXX. XXXX is not reporting correct or accurate information. They are reporting inconsistencies to all of the credit reporting agencies and are verifying inaccurate information. They also marked my previous disputes as frivolous to discourage me from disputing despite being provided proof of their lack of a proper investigation into the reporting. Attached are screenshots of the account they are reporting to the credit bureaus. They are reporting different open dates and balances but are verifying them as valid. How can information that doesnt match prove to be valid? Transunion is reporting a {$0.00} balance and open date of XX/XX/2017 and the same account is reporting a balance of {$1100.00} and an open date of XX/XX/2017. How is this accurate and valid if the information is not the same for the same account? This is a clear violation of the Fair Credit Reporting Act. This also shows a lack of proper investigation on the credit bureaus part as well. XXXX is creating a financial burden causing me to be denied credit due to their inaccurate, incomplete and inconsistent reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
TO BE REMOVED IMMEDIATELY FAIR COLLECTIONS AND OUT # XXXX 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 am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureaus, or provide me with the exact source where did the Credit Bureaus received such information, so I may take appropriate legal action. I have read that the Credit Reporting Agencies are required to remove the fraudulent information that resulted due to identity theft. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I need the Credit bureaus to send me copies of proof of verification or any documents bearing my signature to support their claims. I need the following items deleted from my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX