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

On XX/XX/2022 I was woken up at XXXX XXXX  by a call from XXXX XXXX from XXXX XXXX  company attempting to talk of a current mortgage i have from same company. I was trying to assertain if this was about my current mortgage I have with XXXX or a new refi proposal from the company. She asked me to verify by my date of birth that she had on record and I replied yes to my date of birth. Then she immediately pulled my credit report in which I never gave consent to. 

I then figured out that she was trying to sell me a refi on my exisiting loan that was brokered only two years ago a a low rate and then refused her offer at a higher rate. Never did I give her permission to pull my credit and see what she could do for me. 

I am in process of refing another property and did not want a credit pull on my report. I repeatedly called the company and told them to remove the unauthorized pull and got no results. Finially after 5 phone calls and much grief, I got to speak with someone who said they can check into it. Today XX/XX/2022 got a formal refusal. XXXX told me that because I answered yes to my correct date of birth in trying to assertain what she was trying to talk to me about, that I gave consent, which I never did. 

Since the XX/XX/XXXX, I have been completely harrassed by multiple sales people from this company in trying to refi at a higher rate and bundle in my personal creidt card balances. I told them many times I am not interested in this. This is harrassment. 

I have begged to have the credit pull reversed and they refuse. This is illlegal I believe for them to do this. I am very upset at their trickery practices and poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that XXXX was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed from my credit report.
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 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

They have called every day for Months several times daily. From different numbers. While am at work and even at night. 
Called 6 times in a row on day. 

XXXX XXXX XXXX XXXX provided horrible service. I have on record with them how much of problems I had with this system it's on for the termination of the contract that I owe, because no one informed me it was a 2 YEAR CONTRACT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated the following accounts were properly investigated : Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX  XXXX  XXXX Account # : XXXX How could it be possible for them to properly investigate these accounts if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is groud for removal. 

They also have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly stats a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX # XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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: Money transfer, virtual currency, or money service

Hello, On XX/XX/2021. I purchased a pool from XXXX for {$500.00} and did not receive it. So then I tried contacting them to get a refund. I found the phone number online. I was told that the seller was fraudulent and that he/she was from XXXX. That the only way for me to retrieve my money was to convert it to cryptocurrency. So they had me download the app XXXX and XXXX where I made two accounts. Then they had me transfer money from my savings account to my checkings and proceeded to give me numbers and names to whom I will have to send the money through XXXX. As well as adding money to both of the XXXX  accounts through my chasse and XXXX accounts. Then they said that to retrieve my money I will need to purchase gift cards ; target, XXXX, XXXX XXXX. This has been going on from XX/XX/2021 to XX/XX/2021. I have purchased 15 gift cards and the total for all is {$4400.00}. These were purchased with cash, credit, and debit. And they are telling me to purchase more but I will not because I am now realizing how stupid I am and that this is a scam. I have contacted my bank because they have stolen my life saving since I was XXXX years old from me ; {$22000.00} that I had in my savings account. Plus all the money spent on the gift cards. But the bank is telling me that they can not help me because I gave these people the " ok '' but I only did it because I was promised to get it all back. So all they can do is provide me my bank statements and go to the police but without any guarantee for help. As for the gift cards I have contacted the companies and they are willing to work with me with the police but no guarantee either. I don't know what else to do. I am so stressed and I can not help but cry. I will go to the precinct tomorrow and hope for the best. I have the names and numbers of all the supposed customer service employees I spoke to. I have receipts and proof of everything I have mentioned. I also have a fake invoice of my chase refund that they sent me which I will attach below. I really hope someone is able to help me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute and request the removal of incorrect address information from my credit report. I have recently reviewed my credit report, and I have noticed that there are addresses listed that do not belong to me or are outdated. This inaccurate information is negatively impacting my credit profile and may lead to potential errors in my credit evaluation. The inaccurate addresses that I am disputing are as follows XXXX XXXX XXXX XXXX XXXXXXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXXXXXX Al XXXX XXXX XXXX XXXX XXXX ga XXXX I would like to emphasize that these addresses are not associated with me in any way, and I have never resided at these locations. To ensure the accuracy and fairness of my credit report, I kindly request that you promptly investigate and remove these erroneous addresses from my credit file. Enclosed with this letter, you will find copies of documents that can help verify my current and correct address : I also request that you provide me with written confirmation of the removal of these incorrect addresses from my credit report once the investigation is complete. This confirmation should be sent to the address listed above. Thank you for your prompt attention to this matter. I understand that accurate credit reporting is crucial for maintaining my financial integrity, and I trust that you will take the necessary steps to rectify this issue.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was paid in full as of XX/XX/XXXX of XXXX and house was sold. XXXX of XXXX they added a remark on my credit report saying collections account with {$0.00} balance. This is showing up as an active collection and I can not finance a home until this is removed.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602a States I had the right to privacy.

15 USC 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

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have bankruptcies reporting on my report. XXXX   has removed it. I have sent them certified letters with my Identity Theft Affidavit, Police Report, Copies of DL, Social Security Card, and Bank Statement showing proof of address is as is on DL. These bankruptcies are reporting illegally. In the FCRA, they are required to report items only reported by the original vendor, which in this case would be the court. I have spoken with the court several times. They have stated and I have requested that they send me a letter that I can use when my attorney files suit, that they do not report bankruptcies to the credit bureaus at all. They do not verify information. They stated that XXXX XXXX, whom works or is affiliated with the Credit bureaus reports the information to the bureaus, regardless if it is fraudulent or not. I have spoken with XXXX XXXX and they have stated that it isn't in their systems, but yet these bureaus refuse to remove the information and are impacting my credit history negatively. I have the right to sue and I will. They have 25 days left to remove these items off of my report or I will sue. I have submitted the information to my attorney and he will sue on my behalf if they do not remove these item asap. Also, Equifax is reporting a collection account that I have adamantly stated does not belong to me. Under the FCRA we will use that to sue and get it removed from my report along with the numerous inquiries that Equifax stated that they would remove and they haven't removed them. XXXX  keeps sending notices stating that they need certain information. XXXX tracking number with all of that information is XXXX via the USPS. Equifax tracking number with that information is XXXX. I am over the illegal reporting that these bureaus are doing. I am requesting that these items are removed before we sue and we will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. Hunter Warfield INC IS NOT MY ACCOUNT
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate accoun
t contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

XXXX has identified LexisNexis as the furnishing agent of the invalidated and incorrect information of bankruptcies being reported to my consumer reports. They are in direct violation of 15 USC 1681b. They do not have permissible purpose to report any information. They have not verified nor validated any information. If they proclaim to have done so then they are committing fraud because the courts have stated that they do not furnish data. They do not verify any information, so how did they validate that the information being reported was 100 % correct? This is a violation of my privacy and has hindered my ability to access credit which is my natural right as a consumer.
Product: Credit card

I have a credit card from XXXX XXXX, another two from citi bank the interest are super high and I don't have idea why because constantly I have paid but the amount of interest is always large the next period of payment and desperate and disappointed that this companies does not have any kind of audit or entity that advocate for the clients.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, which has led to the unauthorized use of my personal information. As a result, several fraudulent accounts and credit inquiries have been reported on my credit file without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and permanently deleted from my credit report. 
List of Fraudulent Accounts : 1. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 4. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX ( formerly XXXX XXXX  ) o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2000.00} Fraudulent Credit Inquiries : XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX  XXXX - XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I bought furniture from XXXX XXXX XXXX in XX/XX/XXXX. My credit access is frozen because my wallet has previously been stolen. ( I have Excellent credit ). To make things easy the salesperson used Tidewater Finance.

I had planned to make 3 payments over 3 months to pay off the credit line. I was trying to keep my great credit score by borrowing and quickly paying off the credit line. 

On XX/XX/XXXX I wrote an electronic check for {$1000.00}, but oops I extra zero and I sent them {$10000.00}. That check cleared the bank on XX/XX/XXXX. I contacted them as soon as I realized it ( within 15 days ). I  have since had my request for a refund escalated to a supervisor w/ no response. Today they told me that I requested my most recent escalation in XX/XX/XXXX and I would need to wait another 45-60 days from that date ( working days only ) before they would issue a refund. They charge 31.99 % interest on balances not paid by XX/XX/18. I had a credit line for {$3000.00}, I overplayed, by accident, {$6900.00}. They have backed my refund since XX/XX/XXXX and now tell me it will be XX/XX/XXXX or XX/XX/XXXX before the refund is issued.
Product: Credit reporting

Hello, A few months back I disputed an account with Equifax regarding XXXX XXXX XXXX account # XXXX, I have been in contact with the original creditor in which they have sold this account to A collection agency. I have asked for this account to be verified but in return they will not communicate with me. Equifax has this account listed as " open '' with a balance of {$430.00}. 
I have demanded an investigation into this account under the incorrect information of " open '' status with no results. I want the information on my report updated to " closed '' or removed from my file if no response is received within 30 days. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission and instructions.
Product: Credit reporting or other personal consumer reports

Apparently sac Finance is placing this car as written off on my credit when it should have been on someone elses credit they should be going after. Ive filed multiple disputes called multiple times asked for all sorts of information and they denied every request.
Product: Credit reporting or other personal consumer reports

This morning, I saw inaccurate accounts on my credit report, and Im completely baffled. I always check my report regularly, but this time, I found discrepancies that seemed to come out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The errors are still there, and I dont know what else to do. Please, Im begging you to review the documents Ive submitted thoroughly so I can stop living in this constant state of worry.
Product: Credit card

I have an Exxon Mobil personal credit card, since XXXX. I saw on my statement had many ( XXXX to XXXX or more ) small charges from XXXX locations that I assume maybe gas stations. In one day there were over 20 small charges under {$10.00} each at one location in XXXX. Next day over 20 small charges at a XXXX XXXX location. Exxon Mobil will not talk about it, they just send me to virtual locations for help. When I tell the computer what the problem is, it tells me they don't understand my words ( when I say, 'I need help with unauthorized charges ', they hang up. I sent them an email to cancel my card and they stopped my access to the my statements. I paid for many unauthorized charges to stop my bills. I need to get paid back for those charges.