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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items immediately. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

I did not authorize these hard inquiries. Please remove these unauthorized hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2008 in accordance with the Fair Credit Reporting act XXXX XXXX acct # 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: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from Portfolio Recovery on XX/XX/2018 in the amount of {$2700.00}. First and foremost, I have confirmed that the debt collector Portfolio Recovery is not licensed in the state of Florida to collect on this debt. Secondly, Portfolio Recovery violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Portfolio Recovery? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Portfolio Recovery has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$2700.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that Portfolio Recovery provides me with competent evidence that I have any legal obligation to pay them. I asking that Portfolio Recovery to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and XXXX XXXX. If proper validation of the alleged debt can not be provided, I demand Portfolio Recovery immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand Portfolio Recovery agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that Portfolio Recovery agrees to remove my personal information from all accounts in its companies database.
Product: Checking or savings account

Trying to close my BBVA Compass account but can't find any way to communicate with the bank.
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

Unknown Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Bait and Switch Advertising... XXXX... .Lendingtree is Advertising a Interest Rate ( APR ) that is not real and is false. This feels predatory in nature. Once I clicked on the ad and gave my information on the website, 5 diff banks called me and said the rate does not exist. So, I called the Lending Tree Corporate and spoke to XXXX XXXX XXXX XXXX about this. They had no explanation or solution. Thus, I opened a case # XXXX. I have copies of this email that was send out to several hundred thousand people and this rate is not available and is malicious in nature. As I time this email, I am continuing to get calls about a rate that does not exist. 

They advertise a 2.03 % 15 year Fixed Rate in order to get people to call in then they switch you to a higher rate or different product. Not one of the lenders could account for this discripency. I am ready to move forward with the 2.03 % 15year ( fictional ) rate, but yet no one can give this too me per the ad. I ahve a copy of this ad, please feel free to contact me at XXXX or XXXX
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance I have never had an account with this company. 

I called them and they said I owed half of that for a store credit card, but refused to delete from my report.
Product: Debt collection

NEW INFOMATION .... As a debt collector participating in commerce in the United States of America Best Egg is governed and must abide by federal law. Best Egg claim in there response that they are required to report my information to the credit reporting agencies, Required by whom? pursuant to 15 USC 6802a it clearly states that no financial institution or an affiliate may not disclose to a nonaffiliated third party any nonpublic personal information, I have no establish relationship with any credit reporting agency in regards to the alleged debt. 

Furthermore pursuant to 15 USC 6802b ( XXXX ) ( B ) I was not given the option to opt out of any form of credit reporting or sharing of my personal information with any nonaffiliated third party, I also was not given any explanation of how I may exercise my right of nondisclosure option pursuant to 15 USC 6802b ( XXXX ) ( C ). For the sake of my right to privacy as a Federally protected consumer and the sake of my personal reputation I request that Best Egg kindly remove this information from all Credit reporting agencies.
Product: Checking or savings account

On the XXXX, and XXXX my bank account was being robbed for withdraws XXXX  everyday til I noticed. Upon finding out I called my bank and they opened a investigation, about a week ago I received a letter saying that the transaction were authorized which I know theres no way because the withdrawal happened miles away from me and I had my card the whole time so there no way of that being possible. Before finding out of this I wasted the money they had accredited to me since i knew I was innocent and believed I would get my money back and now I have no way of paying them back
Product: Debt collection

I have been trying to contact The Bureaus, Inc. for several months about repayment of my debt held by them ; I first attempted to contact them on XX/XX/XXXX, and I got a voicemail which said my call would be returned based on the message I was asked to leave ; my call was never returned. I attempted to call again on XX/XX/XXXX, but was met with the same results. On XX/XX/XXXX, I called a third time, again got a voicemail and left a message ; this time, someone returned my call, but I was not able to speak with them at length at that time. We set a time for them to call again the next day, but the call never came. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that The Bureaus, Inc. had sold my debt to them, indicating it was because their attempts to collect on the debt were unsuccessful ; this is false, as I called three times over several months and either no one was willing to speak to me or my calls were not returned as promised.
Product: Payday loan, title loan, or personal loan

The bank purchased insurance on the vehicle when I had insurance on it. Now they are trying everything to incorporate the cost of the insurance into the payment of loan.
Product: Debt collection

I agreed to pay the XXXX outstanding amounts owed : {$300.00} & {$640.00}. They stated that once the outstanding amount is paid they would contact the credit bureaus to have the information removed from my credit reports. Although they notified the credit bureaus that the amount owed was paid and the balance is zero. They failed to have the negative report removed from the account. I was told initially they would remove the items from the credit report. When I called them to resolve the issue they stated they do not remove items on credit reports. They said other collection agencies do send letters to have the negative information removed but their particular agency does not. I found this misleading in telling me they do remove negative information and learned on the backed once the outstanding amount was paid that they do not.
Product: Debt collection

On XX/XX/2019 when attempting to get pre-qualified for a home mtg. loan, I found that there was a collection on my credit report. I contacted the original creditor, and asked them what I owed their company. I right then paid the outstanding amount they said I owed. The company emailed me a receipt. I then rechecked my credit report after a few days, and not only is the debt still showing unpaid but another collection agency on XX/XX/2019 added a new collection from the same original creditor. I have asked and sent numerous emails to try to resolve the issue, with no response what so ever. I also called the collection company, was told someone would email me. I am trying to purchase a home, and this is an urgent matter. I need a response, and need my credit report updated showing the account has been paid.
Product: Credit reporting or other personal consumer reports

On XXXX  I saw a serious delinquency on my credit report without any communication from any banks. I looked into detail and found that it has been placed by XXXXXXXX XXXX, saying that I made the last payment on this account in XXXX and my account is now delinquent. The actual status is : Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present Balance XXXX My XXXX account was hacked and as a result the information related to many of my credit cards accounts and my bank accounts was stolen. I closed and most of my credit cards and bank accounts and opened new accounts with the same financial institutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This card was on autopay through XXXX checking account that was also changed after this fraud. This card being a small infrequently used credit card, somehow the autopay was not updated. The company never tried to reach out to me and directly placed a serious delinquency in less than one week of due date, which is unethical and illegal. I am buying a house. This delinquency of {$37.00} minimum payment led to a fall of about XXXX points on my credit score. now I have significant problems in buying home because or irresponsible and illegal attitude of the company. 
I tried to reach out to company. They refused to get me in contact of the credit reporting person in the company. I tried to reach out to the CEO of the company on XXXX and sent him an inmail. But no response was received from the company.
Product: Credit reporting or other personal consumer reports

This is a duplicate account associated with my Equifax report. The account number XXXX  provided is invalid. Please remove this erroneous account or verify its validity.
Product: Credit reporting or other personal consumer reports

Experian has failed its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward comsumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed, and has made worse disputed items, despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates Federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX WY XXXX XXXX KY XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Well onXX/XX/XXXX to bank of America customer service to talk about putting a stop payment on a future transaction. My wife was told that the stop payment fee would not be taken out of our account unless the company would try to present the transaction. As it was not an agreed amount by the company.my wife agreed to have the stop payment put in place with being told it would not be taken out of our account unless it was presented as our account only had XXXX dollars in it also was not informed that the stop payment could not be stopped and then the bank takes out the {$30.00} non stop payment putting us into overdraft. We called customer service on XX/XX/XXXX at around XXXX XXXX  to be told it could not be reversed and that since my wife agreed to the stop payment even though was told that it not be taken out right away was mislead by the bank and then the supervisor gets on the line saying I need to talk professional to her as she was not listening to me jerking me around. And then refuses to talk to me saying I am not being professional then hangs up on me talk about not being professional and do not appreciate being mislead and hung up on been a customer since XX/XX/XXXXincluding time I was in Missouri to be treated this way and totally being mislead and then saying if its not in the positive by midnight another XXXX fee be added very unacetable and not right misleading us and us agreeing to the terms presented to us then to have them changed on us talk about not being professional then saying another XXXX dollars be added if not in positive before midnight. Talk about very poor customer service and do not like being mislead and lied to.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX and I was a victim of fraud from a scam company. I was hired for a company named XXXX XXXX XXXX, XXXX in New York. The company seemed legitimate and they sent me all the information proving that legitimacy. The company did a credit check on me and offered me a position as a regional XXXX XXXX. They were also able to check my credit card balances and told me which credit cards I should start using according to the remaining balance on each. They " hired '' me and told me to start a 15-day trial period using two of my credit cards ( XXXX XXXX XXXX Travel Rewards and Citicard AA Advantage ) to make purchases. They sent me 2 accounts numbers and two routing numbers from the " company accounts '' and told me to pay off these two credit cards. I was supposedly authorized with my name to add that two- account information to my online banking in order to make the money transfers to my credit cards. I paid my credit cards off several times with the funds they " allow me '' to transfer. My banks allowed these payments and I purchased thousands of dollars on XXXX and sent them to the  address they provided me in XXXX XXXX ( I have the name and the address of the person in XXXX XXXX ). For some reason, after two weeks making purchases, the payments I did to my credit cards were reversed ; therefore, now I owe my credit cards the money I used to buy the XXXX. I would like someone to help me what other steps should I take. Thanks in advance, XXXX XXXX cell : XXXX email : XXXX XXXX
Product: Credit card or prepaid card

Bank / Credit Card Inquiry DISCOVER FINANCIAL SERVICES got a copy of your XXXX  Credit Report. 
DISCOVER FINANCIAL SERVICES made a Bank / Credit Card Inquiry by checking your XXXX  Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX Company : DISCOVER FINANCIAL SERVICES Address : XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX  ) XXXX-XXXX  Alert received today and states it will be on my report till 2023, But I did not make an application for credit to them. My financial information was compromised in the past and this is but another attempt. 
NOT MINE - Thanks
Product: Debt collection

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains information that is inconsistent, incorrect and not valid ; I would like any and all names, addresses and derivatives of names and addresses that are not the following to be removed : Full Name : XXXX XXXX XXXX XXXX XXXX and Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/1987 Social Security Number : XXXX Attached to this request is copies of my current valid drivers license, social security card, and proof of residence.
Product: Money transfer, virtual currency, or money service

paypal is holding my money {$220.00} and will not let me send the funds to my bank. All the items I have sold have been to delivered to customers, XXXX is holding my money. I want my money to be released so I can withdraw it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681 which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -B, as highlighted in the CFPB 's recent administrative proceeding ( File NoXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. Accounts in question, ALL INQUIRIES!!
Product: Debt collection

I receive up to XXXX calls a day, some past XXXX from synchrony bank ... It is nerve wrecking
Product: Debt collection

I have sent off several attempts to the LVNV Funding and to the bureaus to try to validate the debt. The only response I am receiving is a bill in the attempt to collect the debt. I sent letter on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have not received any agreement between myself and LVNV Funding. Nothing has validated the debt.