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

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX XXXX this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
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 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Hi, My name is XXXX XXXX. In XX/XX/XXXX, I received notice from a loan company that a loan had been taken out in my name. This loan was taken out in XXXX in XX/XX/XXXX near an apartment that I had moved out of in XX/XX/XXXX ( months prior ). I can only suspect that someone used my misrouted mail to steal my identify. 
This was done through a company called Regional Finance, and the amount was for {$2400.00}. 

I called the XXXX XXXX Police Department and reported identity theft, providing them all of the requested details where I would be connected to a detective. The detective requested any documents from the loan company that I could gather. 

I reached out to Regional Finance via the phone and asked that they provide me any documents for the account to me so that I can provide them to the police department in their open investigation. They provided me a check with a signature in my name that I did not write as well as a false email address associated with the account and fingerprints of the assailant. I provided this to the detective. 

I called Regional Finance and provided them the details of the case and asked that the account be removed from my name. Verbally, they agreed and said it would be lifted. 

In XX/XX/XXXX, I received information from a debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXX XXXX and asked it to be removed and explained the above. They requested an email with the police report and a description of the details. 
I obliged. No further action was taken by this collector. 

On XX/XX/XXXX, I received information from another debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXX and requested that this removed from my name and explained the above. They requested an email with the police report and description of the details. I obliged and followed up on XX/XX/XXXX and XX/XX/XXXX. No further action was taken by this collector. 

On XX/XX/XXXX I submitted a dispute through XXXX XXXX ( who submitted to XXXX ). I received those results on XX/XX/XXXX as denied. 

I have been affected in my loan applications and my credit. Now I am looking at buying a house and moving forward with my life, but I can not until this is resolved, as it is affecting my credit. 

On XX/XX/XXXX, I opened a dispute through XXXX XXXX ( who submitted to XXXX ). I am currently awaiting the investigation for this dispute. 

I did not realize that being a victim to identity theft would result in being ignored and affected for several years. This is a small loan amount, yet it affects major life choices and decisions. I did not request this loan and my identity was stolen. I have proof that this loan was taken out fraudulently ( through the perpetrator 's fingerprints and signature ) as well as have taken action through law enforcement and formal requests to the collectors. 

I would simply like for this to be removed from my credit history. 
Thank you for your time, XXXX XXXX
Product: Payday loan

I took out a {$300.00} loan with Green Trust Cash, not realizing the heavy load it would burden me, but also coming to realize these loan are illegal in the state I work ( XXXX ) and the state I reside ( XXXX ). I have to this date paid back a total of {$860.00}. The total interest on the loan is 669.75 %. I have written to the company revoking them from taking ACH debits from my account. They acknowledged they would stop taking the debits, but want me to pay off the balance. I am unable to keep drowning in this illegal loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 certified receipt # XXXX and never received a reponse I sent the letter with my identification because equifax always lies and sends theres no record for me if they cant validate the account I feel they should adhere to the rule of fcra which is deletion of account
Product: Credit card or prepaid card

I received a bill from Chase Card Services representing my Amazon Prime account. I only use this card on Amazon and do not carry it with me. I use my bank ( XXXX XXXX XXXX ) debit card or my XXXX card when at stores. Several purchases showed up on the card that were made in person using one of the above cards and not this card. Those charges were not on my XXXX card or debit card and I remember making them, but not with a Chase Card. 

One of the purchases was from a XXXX Store in New York. A store I have never been in and couldn't possibly been there on the day the charge was made. I called and made a complaint about the charge and the other charges I didn't use this card for and about the charge in New York, I live in Vermont. 

The charge was for & XXXX at XXXX XXXX in XXXX XXXX XXXX XXXX, NY on XX/XX/2021. Chase told me I must have made the purchase because a chip card was used. I called the store and the manager told me there was no record of a transaction by me or for the amount on that day. I called Chase and informed them of what the manager said and was told I need to get video footage or a letter from the manager that I wasn't there. I asked them to get the same proof that I was and they told me they don't do that that I need to prove I wasn't there. You can't prove a negative according to an attorney I contacted who recommended I contact you. 

I am a XXXX year old woman living alone and was repeatedly told someone in my house hold probably made the charges. I don't have children and visitors do not have access to my office where the card is. I was also not informed that Chase has a security breach and members financial information had been compromised. I learned this on line when filing this complaint.
Product: Debt collection

I was hospitalized and received a bill from the provider that was inaccurate. I pointed this out to both the original company and the collrction agency and provided proof to both of them and nothing was done.
Product: Credit reporting or other personal consumer reports

This account [ XXXX XXXX XXXX ] was charged off on the date : ( XX/XX/XXXX ) Ever since then the date of last activity has been improperly and inconsistently updated. On XXXX it shows last activity was ( XX/XX/XXXX ), On Equifax it shows that the last activity was ( XX/XX/XXXX ) & On XXXX it shows ( XX/XX/XXXX )! 

To my knowledge, the law says ALL credit reporting agencies must work together and be joined to report the same information accurately. This account isn't reporting the same across all so that must not be the case and this account needs to be removed immediately. 

According to 15 USC 1681b ( XXXX ) ( XXXX ) - Notification system by agencies that operate nationwide : Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. 

Due to the fact that things are being reported differently between Equifax, XXXX XXXX XXXX, it's clear that you all aren't in compliance with the law and my rights are being violated. A notification system is not being maintained and therefore this account is INACCURATE! No inaccuracies XXXX be reported. On several occasions, you failed to investigate this account properly and therefore I DEMAND YOU TO DELETE THIS ACCOUNT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The EXPERIAN credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service unfair practice.Which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process. Was unfair and deceptive as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) regulation E. These actions has called caused significant inconvenience and financial loss. And I seek appropriate redress for this violation.
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Payday loan

I filed a complaint to the XXXX Dept of Justice approximately XXXX years ago against a payday loan company after they continued to draft money from my bank account long after my loan was paid. NC DOJ wrote a letter to this company advising that their loan was illegal in NC and ordered them to stop all contact to me. I also closed that bank account. They are now calling me and my children and family threatening me with coming to my work and saying they have a case against me. Even calling my XXXX daughter at school. I only have the many phone numbers they call from. The main one is listed first. XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

After closely reviewing my credit report, I identified several unauthorized accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. 3 Credit Bureaus must update the listed account from my file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.
Product: Credit card or prepaid card

So I XXXX XXXXXXXX on XX/XX/XXXX. I had XXXX and ended up using my XXXX XXXX credit card XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PNC sold my debt to a collection agency, who offered me a deal to pay off what I owed to them and I payed it in full. Now it's been haunting my XXXX XXXX for 2 years. It's difficult having to pay down payments for things and the payments are almost the whole price. I've did my payment. I've done my work. The only thing I owe is federal student loans. Why is this still XXXX  down my score?
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me, and I have serious concerns about their legitimacy. I urge you to conduct a thorough examination and swiftly remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENITY AND I NEED THIS ACCOUNT DELETED AND REMOVED FROM MY ACCOUNT
Product: Credit card

XXXX I am disputing the purchase of a XXXX XXXX machine that was put on my XXXXXXXX XXXX and more cards on XX/XX/2023 for the amount of XXXX. They sold me a defective machine and I still do not have an operating machine ( which I filed a dispute on both accounts and Synchrony found with XXXX side ) I have found out some additional information on these XXXX accounts with XXXX. While trying to get an answer to my disputes on Synchrony card I found my information was hidden, a phone representative helped me to get that information in my online account. When I got to the information, I found a letter they had posted that my credit increase was declined on XXXX for to much outstanding debt. Then XXXX applied for the credit increase again and got me approved for the credit on XXXX. But I found in my online account information that my income was {$4000.00} over the income I submitted to XXXX for the application. I asked how that amount was put in and the representative told me by whoever did the application. I have several accounts with the same bank, and they have the amounts I reported at time of application. I do not understand how XXXX was able to get not only a credit increase when it had been declined a day earlier on my account but was able to also approve a new account to be opened of {$9000.00}. I feel they falsified my actual income by doubling it. I could not get any more information from Synchrony Bank on this. I asked for the electronic application XXXX submitted but was refused. I feel like this was done by XXXX to get me approved. I reported my correct income to XXXX as you can see, the application I signed ; if my income was reported to the credit application as {$7500.00} per month it would represent fraud of my income. I feel Synchrony should investigate this problem with XXXX providing false information. I was told from a XXXX employee that a salesperson was fired at XXXX XXXX XXXX for falsely reporting income on applications and was caught by a mystery shopper. I feel they did this because they knew that Synchrony would find the dispute of the transaction in favor of them and not the customer. I am still with a non-functional machine that I have been making payments on for 11 months and XXXX wont come to a solution because they got their money from Synchrony and know I am stuck with the bill and a non-working machine. There are XXXX XXXX XXXX  more card accounts and they split the transaction between the XXXX, but this will only allow me to enter XXXX card number
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and correct any errors on a consumer 's credit report within a specific timeframe. According to Section 611 of the FCRA ( 15 U.S. Code 1681i ), credit reporting agencies must correct or remove any inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute from the consumer.

Perpetual investigation one year now.
Product: Debt collection

Multiple communication tactics. Multiple calls per day from XXXX this company is Not authorized to collect debt in XXXX XXXX
Product: Prepaid card

I bought and funded a Vanilla Visa Gift Card for {$500.00} at the end of XX/XX/year>. When I tried to use it for a small amount I was told the account was XXXX. I called number on back of card, they said a purchase of {$460.00} was made to XXXX. I didn't make this. I filed a claim. XXXX was XXXX with {$32.00} balance remaining. Called back several times then in late XXXX was told {$500.00} would be put into a card and expect it in XXXX days. It never came. Called in XXXX and was told I never signed the claim, had them XXXX  claim, meanwhile I found the claim and requests to complete it by e-signing it in an XXXX XXXX XXXX I signed and submitted received a receipt. Called back in XXXX and was told claim was denied and to look for {$32.00} on a new Vanilla Card in my XXXX which I received and spent. They aren't returning the {$460.00} nor explaining how XXXX got it without the XXXX  or XXXX XXXX I set up. Someone has my {$460.00}. Vanilla should be able to tell me who and how. XXXX spent it and received something. All I'm getting is " Claim Denied ''.
Product: Credit card

I was issued a credit card at Macy 's but my address was incorrect due to an error of Macy 's. I made a credit card purchase of {$24.00} but never received an invoice or billing statement. Macy 's referred my account to collection without ever sending a bill to my correct address, and has now added additional fees of {$260.00} for a total due of {$290.00}. I have called Macy 's on XXXX, XXXX, XXXX, XXXX, and XXXX attempting to rectify this collection issue and agreeing to pay the original amount charge of {$24.00} and informed multiple representatives of my correct address. I have repeatedly asked to speak with a supervisor, which has repeatedly been denied. I sent the company a written dispute letter, for which there has never been a written response. I have never received an original bill for the purchase I made, nor given opportunity to pay the amount I owe, which is in violation of the FCRA. The address error is fully and completely a fault of Macy 's. Before collection proceedings began I should have had full opportunity to pay my bill, but never received XXXX due to Macy 's error, not my own. My account should have never been referred to collection at all, and I have agreed repeatedly to pay my original purchase amount. The company refused to take any payment while the account was in dispute, but continued to charge outrageous fees. As of this date I have not received written communication even though Macy 's is fully aware of my correct address given to them repeated by telephone and in written communication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are all reporting charged off accounts when charge offs are considered income I do not consent to have any of my income being reported unlawfully to any third-party credit bureaus. 

Should any credit bureaus decide to not immediately remove these accounts I intend to Sue them for damages directly for the violation of my privacy. Please see attached JS 44 Form Civil Cover Sheet that I am fully prepare to process should you not honor my request.
Product: Debt collection

I formally requested by certified mail the following with no response over 30 days, XXXX. documentation related to the following collection account : Name and Address of the Original Creditor Detailed Statement of the Alleged Debt Amount of the Alleged Debt : {$580.00} Proof of Authorization to Collect this Debt on Behalf of the Current Creditor Verification that the Debt falls Within the Statute of Limitations They Only as of XXXX weeks ago reduced the debt by XXXX making it XXXX.