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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I did not get the product/service I paid for. I used a photo retouching service for my sisters wedding photos. They kept giving me the runaround and would ask for more money to make revisions. To this day, they have not refunded me after stating I still have not received the services I paid for and would just like to completely cancel and get my money back. I filed an official chargeback with Wells Fargo since the money came out of my checking account/debit card. Wells Fargo hasnt resolved this issue either.
Product: Credit card

on XX/XX/24 kols/capone did a credit inquiry on me I did not apply for credit from them I call them XX/XX/24 becaus I got a credit card in the mail to activate that I never ordered they said there was no account and that they would investgate then XX/XX/24 I get a statement for this sccount that has a ballance of {$200.00} that I never charged and I have never ordered anything from them
Product: Money transfer, virtual currency, or money service

I sent a Wire Transfer on XX/XX/2021. I was charged US {$40.00}. XXXX. I gave The Person who made The Transaction two different copies of Wire Transfers from Two Different Banks, which were successful, to guide her in the process. She made a mistake and filed The Receiving Beneficiary Account Number in the wrong slot. After the form had been filed I was charged another US {$25.00}. XXXX. I protested a fee I had never had to pay. One week later, I receive notices via The Text Message and The E - Mail to contact them ; The Account Number was entered wrong. I contacted them via The Cell Phone on XX/XX/2021. I gave The Correct Account Number. I was assured The Correct Account Number would be send via E - Mail, to the person who requested it. I visited on Tuesday, XX/XX/2021 to inquire if it had been done. I was assured once again that it had. Another four weeks went by and I received a letter in writing, with the incorrect date posted that I was required once again to visit urgently. I visited on XX/XX/2021. I was told that The Wire Transfer Had Been Rejected because of The Incorrect Account Number and that The Department had taken nearly XXXX {$170.00}. XXXX from My Account, without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent hard credit inquire from XXXX XXXX XXXX. XXXX XXXX XXXX has notified Equifax that is was a fraud inquiries, but they will not remove 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : AMERICAN EXPRESS XXXX
Product: Credit reporting or other personal consumer reports

15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803. 
15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( Axcess Financial ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to XXXX. I am asking that these items be removed from my credit report.
Product: Credit reporting or other personal consumer reports

EXPERIAN has violated Federal laws concerning the use of private information. Experian is obligated by the FCRA to report accurate accounting, consumer has been attempting to resolve an issue by requesting XXXX to provide documentation used to determine that all disputed negative accounts were verified, consumer is not asking for an e-oscar report. If Experian isn't able to provide said items, negative accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules. 


Consumer has attempted to resolve this matter for over a year, I will be filing form 211 treasury omb forms to audit consumer account. 
XXXX is securitizing consumer 's data yet refusing to provide a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

EXPERIAN you have 3 days to remove negative unverified information EXPERIAN Commission File Number : XXXX I.R.S. Employer Identification Number : XXXX
Product: Debt collection

On XX/XX/XXXX, I received a voicemail saying his name was XXXX XXXX from pre-council summons of " my jurisdiction '', and he had tried unsuccessfully to serve me a summons to appear and would now be serving it to me at my place of employment. I have been XXXX and not working since XX/XX/XXXX. I called them back to find out what this was all about. The man who answered the phone did not identify himself or the name of the company. I asked why I was receiving this phone call. After providing him with my phone number he said they have tried twice to serve me a summons to appear for Defrauding a Financial Institution. I asked him what he was talking about. I have committed no fraud, let alone Bank Fraud. He then said it was in regards to a XXXX XXXX, XXXX XXXX, that I had returned to XXXX in XX/XX/XXXX due to declining health and losing my job. He explained that the car had been sold at auction and the remaining amount still due was XXXX, and they were suing me for that amount. 

I tried to calmly explain to him that the Statute of Limitations in the State of Texas is 4 years from the last date of payment on the debt. He then told me I don't know the law he does and I am the scum of the earth. When I asked if he was an attorney, he just got louder and continued to call me the scum of the earth. When I asked the name of the company he was representing and contact information he hung up. 

I called back and spoke to XXXX XXXX. I asked her the name of the company and address. She quickly gave it to me while asking what this was about and why I needed it. While she was doing this she was looking up my phone number to see who she was speaking to. When she asked what this was about and I asked had her company filed a bond with the State of Texas to collect in this state she told me they don't have to do that because they are a recovery company, not a debt collector. She kept asking why I needed to know and I told her I was filing a complaint with the State of Texas and the FTC. She said good luck trying to do anything to them. Then hung up. I called back because I was not sure I had gotten the correct city, XXXX again answered and said she didn't have time to talk to me and hung up. I had to call back a third time to have someone tell me the city and zip code. 

I believe this is the same company, operating under a different name, who contacted me last year with the same threats and insulting language and behavior. I had to actually block that number so they would stop harassing me. After researching more I have found that this company has called many people using the same tactics and have used the name XXXX XXXX XXXX XXXX, ( which is the name they gave me ), and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and items that r not mine and have not even been properly validated, or anything only by a third party vender which come with a lot of loopholes that were disputed 8 mths ago with EXPERIAN were deleted and now they are being added back to my report this is against th FCRA. All of the items that are being placed bavk on my report were deleted due to fraud.I have consulted with an attorney who is putti g them into litigatition.There is also a current class action lawsuit against this bhreau and I may report to XXXX as well.Please have these otems removed immediately that were deleted almost a year ago. 

Items being readded that were deleted last year : XXXX XXXX XXXX XXXX so far They readded XXXX but redeleted that here on XXXX This all is illegal. These are reasons among many many this credit bureau has current lawsuits pening against them. What I also found that within the dispute center history they updated the old results which is not displaying these items were deleted but my attorney and staff have the deletions in black and white from the paper results sent by mail. This is illegal actions and Experian will be exploited!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of certain hard inquiries listed on my credit report. After a thorough review of my credit report, I have identified two inquiries that I did not authorize nor have any recollection of initating any transaction or applying for credit with the respective creditors. These inquiries have already been deleted by XXXX, and I am prepared to pursue legal action if your credit bureau fails to take similar action promptly. 

Below are the details of the disputed inquiries : 1. Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> 2. Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> I wish to emphasize that I did not provide authorization for these companies to access my credit report, and I have no record of engaging in any transactions or credit applications with them. Consequently, I am concerned about the accuracy and legitimacy of these inquiries. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that your agency conducts a thorough investigation into these disputed inquiries. This investigation should include verification of the legitimacy of the inquiries with the respective creditors involved. I understand that under the FCRA, you are obligated to complete this investigation within a reasonable timeframe. 

Furthermore, I request that you provide me with verifiable proof of your findigs and actions taken upon completion of the investigation. Should it be determined that the disputed inquiries can not be verified or are found to be inaccurate, I insist that they be promptly removed from my credit report. 

I would like to remind you of the FCRA 's requirement for consumer reporting agncies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

Please acknowledge receipt of this dispute letter and inform me of the timeline for conducting the investigation and resolving the matter. I am prepared to cooperate fully with your investigation and provide any additional information or documentation necessary to facilitate a speedy resolution. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution.
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX illegal repossessed a XXXX XXXX XXXX. Without any permission, nor notification of where I may retrieve personal items from the car. Credit acceptance also did not notify me of a right to redeem vehicle. credit acceptance currently has multiple compliant filed against the company, As they lie and try to close the compliant so that they can repossessed the vehicle. After findings of multiple illegal repossession. The Consumer Financial Protection Bureau ( CFPB ) is moving to thwart illegal repossessions in the heated auto market. A compliance bulletin issued today reveals conduct observed during CFPB examinations and enforcement actions, including the illegal seizure of cars, sloppy record keeping, unreliable balance statements, and ransom for personal property.The CFPB is concerned that these market conditions might create incentives for risky auto repossession practices, since repossessed automobiles can command higher prices when resold. The timing of auto repossessions often comes as a surprise to borrowers and can cause devastating injury by depriving borrowers of the use of their vehicles. In addition, many people experience emotional distress when a car is taken from them, lose personal property, miss work or lose their job, incur expenses for alternative transportation, pay repossession-related fees, experience negative credit reporting, and have to repair vehicles damaged during the repossession process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - PAID XXXX XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION ; ORIGINAL CREDITOR : XXXX ASSIGNED ON XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX -- / -- XX/XX/21 {$120.00} XXXX {$0.00} {$0.00} {$0.00} - - - PAID XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX ASSIGNED ON XX/XX/21 I have previously disputed these accounts and requested validation, no documents have been provided to validate the account, no response was received in a timely manner, and there continues to inaccurate information being reported. Since none of this worked, I decided to pay for deletion. Which they agreed to. No it is still listed on my XXXX and Transunion credit reports. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Account # XXXX and XXXX 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 or other personal consumer reports

I am writing to formally dispute inaccurate or incomplete information on my credit report that is being reported by Equifax.The disputed entry relates to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are inaccurately reported and do not reflect the correct status of my credit history. Despite my previous efforts to dispute these accounts with the respective entities, the inaccurate information remains on my credit report. This ongoing issue is a direct violation of the Fair Credit Reporting Act ( FCRA ), and I am asserting that this situation reflects negligence and non-compliance under Section XXXX of the FCRA. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, I have the right to dispute information that I believe to be inaccurate, and your organization is required to investigate and respond within a reasonable timeframe. Despite my previous attempts to dispute this matter and your failure to conduct an adequate investigation or provide a satisfactory resolution, the incorrect information remains on my credit report. This is a clear violation of the provisions outlined in the FCRA. 
I formally demand that you review the disputed information immediately, investigate it thoroughly, and provide me with a written response that includes the findings of your investigation. If you can not verify the disputed information or if it is shown to be inaccurate, I expect it to be removed from my credit report promptly. 
Thank you for your immediate attention to this matter. I look forward to your prompt and satisfactory response.
Product: Debt collection

I am writing to dispute and request the removal of certain accounts on my credit report that are being marked as late payments and are on the verge of being charged off due to fraudulent activity. After discovering unauthorized transactions and identity theft, I have taken immediate action to address and rectify the situation. It is crucial that my credit report accurately reflects the circumstances surrounding these accounts. 
Below are the details of the fraudulent accounts : XXXX XXXX XXXX XXXX 
I recently discovered fraudulent activity on my accounts, which has resulted in unauthorized transactions and subsequent late payments. I have reported the fraud to the respective creditors and have taken the necessary steps to rectify the situation. However, the negative impact on my credit report remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U.S. DEPARTMENT OF EDUCATION XXXX {$590.00} U.S. DEPARTMENT OF EDUCATION XXXX {$1600.00} XXXX XXXX XXXX {$95.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Money transfer, virtual currency, or money service

They say you transfer will be done with three minutes or less but it takes longer
Product: Credit reporting, credit repair services, 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, 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 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: Vehicle loan or lease

I have a biweekly payment of {$220.00} ; whenever I go past a day or two of being late, my references as well as my self are harassed with calls from morning to night, as well as emails up until the day I make my payment. They have disable my car after about 5 days after the due date on a couple different occasions. I was lied to about there not being extra fees on the car and was only supposed to be paying $ XXXX, which ended up being $ XXXX because of extra fees they charge me for not having full coverage. Since when does a car dealership charge you fees for not having full coverage? They already lied to me stating my insurance was through them and that I didnt need any liability or anything, just for me to get pulled over by a cop who then explained that I had GAP insurance, not actual insurance so I ended up having to pay a hefty fine. Considering refinancing, SUPER unprofessional.