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

Some months ago, I disputed XXXX XXXX XXXX XXXX ( XXXX ) /XXXX Account ( See Attached ), on my Experian Credit Report, to VERIFY ALL ACCOUNT INFORMATION. I have not received the results of this dispute. In fact, the XXXX/XXXX Account still shows in the COMMENTS that the ACCOUNT IS IN DISPUTE.
Product: Debt collection

I got the letter ( XX/XX/XXXX ) from ONLINE information service is a debt collector. It say it is trying to collect a debt that I owe to XXXX XXXX XXXX {$1300.00} with account number XXXX on XX/XX/XXXX. I called ONLINE information service about the letter and she said I reside in XXXX, Texas. I didn't ever live in XXXX, Texas and never been an account of XXXX XXXX XXXX. I live in XXXXXXXX XXXX so far and also I have lived in XXXX XXXX all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account number 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

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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

I sent XXXX dollars on XXXX XXXX to the wrong contact number in my phone and chime said they can not cancel or refund my money and the person doesn't want to send it back I am filing a complaint against chime because they are my financial institution and not helping me
Product: Debt collection

This a notice of intent regarding the continued reporting of a debt owed to XXXX not to Eastern for ONE account NOT 2 as Eastern Account Services continues to report. In fact, XXXX shows not debt having been owed to them whatsoever with no record of me as a customer and have repeatedly attempted to sign me up for service. 
In the cases of XXXX XXXX and XXXX XXXX and untold more, Eastern Account Systems continued to illegally report my accounts while in dispute with XXXX, XXXX and XXXX, which is a clear violation of the FDCPA punishable by fines and penalties. In the 2 cases I just referenced both cases found Eastern Account Systems guilty of violating the rights of the consumers and were fined as well as all costs paid to the plaintiffs. I would like for the CFPB to note my case in any future litigation and or class action lawsuits against Eastern Account Systems and for them to be forewarned that I intend on filing a lawsuit against them to include any fines, penalties and court costs allowed by law in addition to financial harm and damages due to my lower credit score and any lost opportunities that Eastern has directly caused me in their continuous and intentional reporting of 2 accounts instead of 1. they have blatantly and intentionally changed account names, statuses, dates and amounts over the course of 3 years with every credit bureau and I have records to prove. Since law is set by precedent I am confident that with my numerous records and history I will prevail in court. Eastern Account Systems should reevaluate their business model because all of these legal cases are costly and bad for business. Since they have cost me exceptional financial damages I want this to be record of another consumer who is going to exercise their rights under the law so that other consumers are not victimized by this company who cares only about the challenges of extorting money rather than the people behind their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I have XXXX inquiries on my consumer credit report. I have attached a screenshot of my Equifax credit report. I did not give permission to these XXXX companies to check my credit nor do I have a credit account with these companies. XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX pulled my credit without permissible purpose. XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX pulled my credit without permissible purpose. I AM REQUESTING PROOF FROM EQUIFAX THAT I APPLIED FOR CREDIT WITH THESE XXXX COMPANIES LIST ABOVE ALONG WITH MY SIGNATURE OF APPLICATION. This is a violation of Federal Law & the FAIR CREDIT REPORTING ACT 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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Product: Credit reporting or other personal consumer reports

I am formally requesting this complaint to UPDATE the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate accounts information as quickly as possible.
Product: Credit reporting or other personal consumer reports

I received a notification that Experian reported an XXXX point decrease in my credit. I contacted the organization immediately to get an explanation. I spoke with two representatives and a supervisor and no one could give me an explanation for the decrease. Nothing changed in my report ; there were no new inquiries, derogatory comments, credit decreases, or missed payments. In fact, a creditor raised my limit, lowering my credit usage, which in turn reflects positively in my credit score. With no explanation to offer, I believe this decrease could be racially motivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00} and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those XXXX accounts are fraud. Thank you.
Product: Debt collection

South west credit system from the phone # XXXX ( XXXX ) XXXX has started calling me and asking my personal information without providing me any information whom they calling to, about what, and who they are. For obvious reasons I have denied provide them any information and advised that they can lookup public records for information they looking for. I have strongly believe that they either a scam or trying to collect a scam as I dont own any debt that Ive know about, not I have received any pas due date bill from anyone. I have advised them that their cold calling calls asking for personal information has a harassment nature.
Product: Credit reporting or other personal consumer reports

Requested derogatory information to be removed from credit reports, since it has been nearly 4 years since the information has been published. Past due account dates noted on credit reports. Credit counseling instructed to make no payments. Paid in settlement amount is not published. Highest balance and written off amount should not be the same if a settlement was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX ======================== The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed bankruptcies listed that I believe are inaccurate. After researching consumer protection laws, I have reason to suspect this may violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c ( a ) ( 4 ) regarding reporting of bankruptcies.

I am concerned that my personal information may have been disclosed without proper authorization. As I believe I may be a victim of identity theft, I request that you thoroughly investigate these entries and remove any inaccurate or fraudulent information immediately.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and there are inaccurate name variations, addresses, and employers listed. 

INACCURATE NAME VARIATIONS XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS XXXX XXXX PLACE CT, XXXX XXXX, OH XXXX - THE FOLLOWING ARE INACCURATE ADDRESSES XXXX FAIRWAY OVERLOOK, XXXX, GA XXXX XXXX FAIRWAY OVERLOOK, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX MY EMPLOYER IS XXXX XXXX - THE FOLLOWING ARE INACCURATE EMPLOYERS XXXX XXXX XXXX XX/XX/XXXX I CAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TEACHER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2018 an individual contacted USAA by phone to request an expedited debit card be mailed to them because they were out of town. USAA Sent a new card and pin number!!!!!! to an address in another STATE!! that is not listed on my banking profile but states that the request was valid because it was made from a phone number on my profile. On Friday XX/XX/2018 the individual was in possession of the card and new pin and deposited/wire transferred ( not sure which ) into my account XXXX This is when I was first made aware of the situation because I was emailed a notification about the deposit. I didnt know if it was a mistake or if I had just won a prize or XXXX knows so I immediately contacted USAA the same day. I informed the representative that I wasnt expecting any large deposits, so he placed a freeze on my account for 5 business days until they could investigate. I contacted them in 5 days to figure out what was going on only to find out that the same individual called back on or about XX/XX/XXXX to increase the ATM limit from {$600.00} to {$4500.00} ( after the account was placed in a freeze status ). The individual withdrew all of the money in another state leaving me now with a negative balance of XXXX that USAA is claiming I am now responsible for. I am beyond XXXX!!!!! I have been with this company for over 10 years and always spoke so highly of them. This company thrives on doing business for the ARMED FORCES!!!! I AM FLOORED ON HOW THEY COULD BE SO NEGLIGENT TO SEND A CARD WITHOUT ADDITONAL SECURITY PRECAUTIONS!!! I have been XXXX  to XXXX and XXXX and was mobilized at XXXX XXXX  during the XXXX and I was honored to serve every time. Facing enemies foreign and domestic, but this is a different kind of enemy one who sits behind a desk or computer who refuses to do their due diligence in rectifying the situation. The individual who withdrew all the money was identified by ATM video surveillance from the sheriff department in county after I provided them with the information. Information that USAA also had in their possession. However, with the suspect identified, police reports, phone records ( that show I didnt make a call to USAA on XX/XX/XXXX ), and any other supporting documentation that USAA has requested they are still holding me accountable. The reasoning is that I didnt safeguard my information!!!!!!!!! ... My thing is 1. you were notified in a timely manner ( less than two days ) which is part of the depository agreement. You were negligent in providing someone with a new card and pin # by mailing it to an address nowhere listed on my profile. And 3 ) whatever wire transfer/deposit that took place on Friday should take at least 1 business day to clear before someone is allowed to just withdraw that amount of money!!!. I have escalated this situation to the CEO of the company with no avail and I dont know what else to do except arbitration, small claims, or just find away to pay the money so I dont mess up my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX created a charge card without my knowledge. I am a victim of Identity Theft and they approved a card without complete verification. I have sent them a copy of the charge card in dispute on a XXXX Credit Report, Local Police report on the Identity Theft, IdentityTheft.gov file report, and a memo stating that I was not the person that opened the charge card. I have already cleared 4 out of 7 fraudulent accounts on my credit reports, Which one was another XXXX Charge card. XXXX acknowledged that the other one was fraud, but the XXXX card was not considered fraud due to Publicly available information. When asked for the investigator and the public information I was denied further information. My investigation took well over 90 days to be completed. When the investigator completed it, they did not notify me what so ever. 

At the time XXXX Charge Card was opened I was XXXX overseas in The XXXX XXXX XXXX XXXX XXXX the United States XXXX XXXX XXXX This shows how little these credit companies care about our information. They will open any card without further identifying or confirming with us. I am now struggling to purchase my house due to my horrible credit score. I have served 10 years in the XXXX and I am now alone sorting out my life. No one helps me and these credit companies just don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX  not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX by there claim on XX/XX/XXXX in which my documents all show XXXX XXXX
Product: Credit reporting

Have Contacted CFPB in regards to Experian and they have chosen not to remove the information on the report. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX removed the collection. 
XXXX XXXX XXXX XXXX XXXX and XXXX Removed. Not my Account. 
XXXX XXXX XXXX XXXX. Needs to be removed. Never lived at the address. XXXX XXXX XXXX XXXX, XXXX, AZ. XXXX. Please remove. 
Public Records Federal Tax Liens are released since XXXX. 
XXXX XXXX XXXX Never had a loan with these people. Removed from XXXX XXXX and XXXX. 
XXXX XXXX XXXX Do n't have an account with this collection company. XXXX XXXX and XXXX removed. XXXX XXXX XXXX XXXX never had an account with this company, A collection that I had sent a 30-day verification notice to on XXXX/XXXX/XXXX. XXXX XXXX and XXXX removed. XXXX XXXX XXXX Never had An account with this company. sent a 30-day Validation notice. No response XXXX XXXX and XXXX removedXXXX XXXX XXXX Never had an account with this company. Filed a Complaint to XXXX XXXX XXXX. XXXX/XXXX/XXXX. XXXX XXXX and XXXX removed. 
Inquires that have no written authorization. Car Finance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Any and ALL Auto inquires were never made by me nor was written authorization given. I have been contacting CFPB since XXXX/XXXX/XXXX, Have received updates from the repositories. Honestly, I do n't believe that Experian is working in my behalf in regards to the Fair Credit Reporting Act. Nor the Fair Debt Collections Act. My Date of birth is XXXX/XXXX/XXXX, yet Experian keeps reporting a different date. My employment is XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX XXXX since XXXX/XXXX/XXXX. to the Present. XXXX. XXXX XXXX XXXX, Is not my Company. I sent Experian a copy of my Passport, social Security Card and Veterans XXXX card. As they requested. This is really getting to bring my XXXX down. I am trying to get a mortgage. I am a XXXX. My XXXX is being held by XXXX XXXX XXXX, XXXX Really need your assistance in this matter. If I need to will exhaust my administrative remedy and file a class-action suit if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Equifax that they were reporting in correct information on my credit report as it relates to XXXX. Account NUBMER XXXX. XXXX sent me a notice that the account was being removed and it was not to be reported on my credit. To date- Equifax continues to say the account has been verified as being reported accurately. XXXX has settled 2 law suites because of this. 

A consent order has been issued by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for allegedly violating the Fair Credit Reporting Act. The CFPB has ordered the originator and servicer of nonprime auto loans and leases to pay a fine of {$4.00} million to settle charges that it knowingly supplied inaccurate consumer credit data to the three major credit reporting agencies ( CRAs ).