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

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish 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 any consumer reporting agency if the person knows or has reasonable to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXXXXXX Balance : {$33000.00}, XXXX XXXX XXXXXXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Balance : {$5300.00}XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00}
Product: Debt collection

AmSher is attempting to collect on a debt that I do not owe. I mailed a certified debt validation letter to their company requesting specific documentation to validate the debt which are a signed contract with my signature binding me to this debt that they are claiming I owe. Also I asked for information regarding how much they paid for the debt, and other important documents which I have not received therefore the debt has not been validated. AmSher only sent an account summary no signed contract. By law the FCRA requires debt validation which has not been done by AmSher they are in violation with the FCRA and I will file a lawsuit if this debt is placed on my credit reports!
Product: Mortgage

I filed for Chapter XXXX bankruptcy. The Mortgage holder sold my mortgage and the bankruptcy was terminated or dismissed. I now have been working with the new Mortgage holder and have paid XXXX $ to correct the situation. The report has the bankruptcys as open still.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear CFPB, My name is XXXX XXXX and I want to dispute a hard inquiries made on my credit report XX/XX/XXXX by EXETER FINANCE LLCXXXX XXXX 
This hard inquiry was made by a car vending company called XXXX, who said that they needed to run credit checks, which counted as hard inquiries against my credit, to qualify for a car purchase. 

After I agreed and they ran the credit check, which counted as a hard inquiry on my credit report, I was informed that the car was no longer available so I chose to not work with this company and purchased another car from another company and financed it through another bank. 

As a result of XXXX misleading auto sales practices, I now have XXXX hard inquiries that are significantly impacting my XXXX XXXX and I would like them removed immediately. 

After reading reviews about XXXX, I discovered this agency has very questionable integrity. 

Thank you for your prompt support in removing these inquiries, so I can enjoy the comforts of a good credit score that I deserve. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lifted my credit freeze XX/XX/XXXX to apply for a credit card. Am trying to freeze my account again 5 days after lifting. I'm told my address is not valid which hasn't changed since 1996 and is on file. Now am told to send all information that is exactly the same as it was 5 days ago. and after sending it and 3 days more to review it will freeze my account. 
When I removed the freeze all three credit agencies did same on line in 5 minutes.

Why do I have to individually ( each agency ) and by mail reapply the freeze, after only 5 days. 
Nothing has changed on my part. 
The experian website only provided info for membership at a charge of $ XXXX/mo. 
When I phoned -- - I was just rerouted around and around never getting to the actual freeze -- -- just sent me back to the original options. 
I want to freeze my account today. If something happens it's on Experian.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my identity was used fraudulently to obtain a personal loan from Affirm , Inc in the amount of {$670.00}. I became aware of this via email in late XXXX that a payment was due. I made phone calls to Affirm , Inc on XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Each time I called and explained the fact that the account was fraudulently created and requested an investigation to clear my name of this issue. They promised each time to send an email follow-up to me within XXXX business days, but never did. I obtained case number XXXX on the XX/XX/XXXX phone call. Affirm, XXXX also reported my address as " XXXX XXXX XXXX, XXXX, AL XXXX '' as shown on my XXXX credit report. I never lived in Alabama and expressed this each time I called Affirm , inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, My name is XXXX XXXX XXXX and the reason I am writing to you is to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Money transfer, virtual currency, or money service

My Robinhood has been locked and restricted since the XXXX of XXXX. It is now XX/XX/XXXX. 

I have XXXX $ in there that they have locked from me that is mine for some unknown reason. Originally it said once I turned in documents that the next day it would unlock my account. So I uploaded the documents that very day. 

Friday the XXXX of XXXX comes and it says they are reviewing my docs I submitted and they would get back to me on XX/XX/year>. 

So I waited then on the XXXX it said the second and on the second it said the third and it has just kept pushing back the review date and they havent let me access my own money. 

I called Robinhood and they make it so difficult to get a hold of the. I got in a queue for them to call my about my issue. They call me XX/XX/XXXX and ask me what the inquiry was about. I explained to them my account has been frozen and that the day my docs are supposed to be review the date just keep getting pushed back. 

Then she started asking me about crypto transfers I have been making and if I plan on making more transfers in the future. I answered all the questions and then they said that they would review the info and get back to me. Well since that Wednesday it still says they are in the process of reviewing everything but I turned in my necessary docs a long time ago and they are just holding money that is mine and not letting me withdraw it. Could you guys please resolve this for me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I XXXX XXXX disputed through Experian a debt from a debt collection agency by the name of XXXX XXXX XXXX which I have no contract with. The Experian investigation concluded through their investigation that the reported credit results were factual on XX/XX/2024. Absolutely no contract, original documents, nor any document or proof that the account is or was ever mine nor how Experian determined how they reached the conclusion of this investigation. It appears as if someone made a simple phone call or document and took a random persons word without legitimate factual legal proof
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously notified, I am a victim of identity theft, please see attached requested documents for the 2nd time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. As of today, they have not responded. 
The following account is not mine : XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$630.00}, Original Creditor : XXXX ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00}, Original Creditor : XXXX ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00}, Original Creditor : XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX XXXX ( Date Opened XX/XX/XXXX, XXXX : {$1100.00} ). Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no problem today getting reports from XXXX or XXXX using XXXX. However, Equifax presents me with bogus questions to confirm my identity ( all were N/A ). This exact scenario played out in XX/XX/2020 -- Equifax was the only bureau presenting bogus security questions. I responded by requesting my Equifax report via mail and included the security questions with a full description of the online access issue. Nothing in the Equifax report I received was remotely similar to the security questions that lead to the denial in XXXX and there was no communication regarding my access issue. A quick web search revealed that I am not the only victim of Equifax 's " glitch ''. Is anything being done about Equifax denying people their own personal information, to which they are entitled by law? Thank you.
Product: Credit card or prepaid card

On XX/XX/2020, I added a new payment account ( XXXX Saving Account ) to my Citi Credit Card account and attempted to make a payment using this method. Citi processed this payment request on another saved payment account ( XXXX XXXX  Checking Account ). On XX/XX/2020 I noticed what had occured and called both Citi Credit Card & XXXX XXXX. XXXX XXXX  understood the situation and provided guidance on moving forward. When I spoke with Citi phone support they were unable to determine or confirm if this was a technical or user error. I explained that this was a new account link and I double checked the confirmation screens to insure the correct account was selected for this payment from a new source. 

I asked for direction moving forward, and was told at this point there is nothing that can be done, just to wait the transaction will fail and once it does I can try to process the transaction again. 

On XX/XX/2020, Citi attempted to process the transaction again. ( which also failed ) I contacted support again to ask why, and was told that the transaction will automatically process 3 times and that I should contact them in the future to see if the fee can be wavied. I asked them not to attempt to process the payment any further and was told the agent didn't have the ability to complete that request and that the automation system would attempt to process the payment 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I routinely my credit report via XXXX. During a check on XX/XX/2019, I noted a change on my Equifax report indicating a hard credit inquiry. This inquiry was named as XXXX XXXX XXXX XXXX , XXXX and was also dated XX/XX/2019. Only my Equifax report seemed to show this inquiry - no other credit reporting agencies show this inquiry. I did not authorize XXXX XXXX XXXX to run a credit check. I am not currently an XXXX XXXX XXXX customer, nor have I ever been. I do not intend to be an XXXX XXXX XXXX customer and did not seek any inquiry on their products or services and did not provide my personal information to facilitate this. This credit inquiry was obviously in error. 
My first course of action was to file a dispute with Equifax. I filed this dispute online ( Complaint No XXXX / Confirmation number XXXX ). I received notification that the dispute was completed on XX/XX/2019. As I was unable to access this report online, I called customer service on XX/XX/2019. I was told Equifax would not remove the hard inquiry as it was a " factual report, '' and that if I believed the inquiry was in error or fraudulent, I should contact the company directly. 
As a result, I contacted XXXX XXXX XXXX on XX/XX/2019. I had extreme difficulty finding a representative that even understood my problem and spoke with at least four different individuals at three different numbers and received no help. Through some diligent online searching, I came across an online portal for filing billing and credit disputes with XXXX, an XXXX XXXX XXXX company. I completed this online form and provided my personal information as requested on XX/XX/2019. No confirmation was provided of the submission. 
As of this date, XX/XX/2019, I have not been contacted by XXXX XXXX XXXX to address this complaint and this hard credit inquiry still shows on my Equifax credit report. It is deeply troubling that not only can this sort of inquiry erroneously be applied to an individual 's credit report, but that there is no recourse or responsibility taken by the companies involved. I'm very dissatisfied with my experience with both Equifax and XXXX XXXX XXXX in both the error and the lack of correction. I'm unsure whether there is any accountability for them and wish this issue to be resolved.
Product: Credit reporting or other personal consumer reports

I have a credit report with a lot of old things on it from Experian reporting agency that been on here for a while XXXX and XXXX XXXX my credit score is near XXXX or XXXX. Experian has things On my credit that that doesnt add up with the other two reporting agencies and its really setting me back as a natural person I am suffering mental anguish with my family as we are struggling to live my aunt just passed away and my grandmother things are hard as it is this stuff shouldve been off my credit report and credit
Product: Credit reporting or other personal consumer reports

Good evening, I XXXX XXXX is filing a dispute with world Corporation regarding false and inaccurate information regarding reporting incorrect dates and putting my account in a charge off status with the credit bureau in the month of XXXX year 2022 when I made a full pay off on XX/XX/year> I also have been calling speaking with the world finance customer service where they informed me from recorded calls the account was paid off on XXXX XXXX but it takes their system 30-45days to update payment although I paid in the beginning of XXXX I am in chare off status for month of XXXX with my credit bureau I demand that this information be updated immediately due to I have also filed a report with the better business bureau due to falsifying my account and inaccurate information I paid this account off on XXXX XXXX it states charge off however, that is inaccurate information for World Finance/ Corporation I have included my receipt and id along with my social security card, but this is very much inaccurate information that is being held on my account when it clearly states co for charge off for XX/XX/year> but I was delayed in XXXX due to more days of not making a payment XX/XX/year> but paid my account off on XX/XX/year> I need the information to be reflected on my credit report correct with pay off in XX/XX/year>. 
According to 15 U.S.C. 6801 Requires financial institutions to protect the privacy of their customers ' nonpublic personal information Requires the FTC, banking agencies, and other regulators to create regulations to ensure that financial institutions comply with this requirement 15 U.S.C. 6802 Requires financial institutions to comply with federal, state, and local laws, rules, and other legal requirements Requires financial institutions to comply with subpoenas, summons, and other authorized investigations Requires financial institutions to respond to judicial process and government regulatory authorities, I demand my information be corrected.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of my XXXXXXXX XXXX  and XXXX Auto accounts. Both accounts were charged off ( XXXX in XX/XX/2023 and XXXX XXXX in XX/XX/2023 ), yet they are being repeatedly updated as charge-offs each month, inaccurately reflecting active payment history and manipulating the statute of limitations. Equifax is reporting the XXXX XXXX account with a {$0.00} balance, while XXXX reports it with a {$30000.00} balance, and it is not reported on XXXX at all. The XXXX account is only reported to Equifax, not XXXX or XXXX. Equifax and XXXX have failed to properly investigate these accounts, and I request their immediate removal. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I attempted to initiate a transfer of {$32000.00} from my XXXX Checking account to my Robinhood brokerage account. I received an error saying to try again shortly. I exited, went back to the main screen, and then attempted the transfer again. I received another error telling me to try again. I tried a third time and it said that it processed. I noticed an increase to my Robinhood account that appeared to only be one {$32000.00} payment so I figured only the successful third attempt went through. 

On XX/XX/2024 I noticed XXXX pending changes on my XXXX checking account for $ XXXX each on my XXXX Checking account, and my balance was negative {$63000.00}. I immediately called my bank to stop charges on the XXXX duplicates. I then realized that my Robinhood account was also reflecting XXXX $ XXXX transfers. I chatted and called Robinhood to cancel the transfers, and try to get some of my cash balance transferred to XXXX to cover the deficit and be able to pay my mortgage and bills that were coming from that account the next day, on XX/XX/2024. Robinhood offered mixed and confusing information, and even said that those errors and duplicate charges happens. Robinhood would not cancel the pending transfers that were causing my XXXX account to overdraft over $ XXXX. They also would not allow me to withdraw anymore of the available cash balance to cover the deficit that their system error caused in my XXXX account. I was only allowed to withdraw {$50000.00} which didn't cover the overdraft that Robinhood 's app errors caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX : XXXX XXXX. XXXX. XXXX My rights have been violated numerous of times. 
The credit bureaus violated my given rights under 15 USC.1681 According to 15 U.S.C 1681 section 602 A. states I have a right to privacy.

According to 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 According to 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, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX not mine and address not mine XXXX XXXX XXXX XXXX tx XXXX remove the address and not my name
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I have already sent Experian written instructions to remove accounts off my credit file because I never gave them permission to furnish the report pursuant to TITLE 15 USC 1681b. They have failed to comply and adhere to my consumer rights. How is it that these credit reporting agencies are able to verify anything without being present during the alleged transactions? The CFPB is supposedly established to help the consumer in these situations. Please do your job and get the positive results I want. There shouldnt be any reason why when I confront a credit reporting agency and show them the code that shows how they are violating my rights that the violation shouldnt be cured immediately.
Product: Debt collection

PLEASE BE ADVISED RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED INACCURACIES ON MY ACCOUNT. THE BELOW ACCOUNTS LISTED ARE HURTING MY ABLITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESES ITEMS FOR ME TO ENSURE ACCURACY. PLEASE HELP ME WITH THE BELOW LISTED ACCOUNTS!!!!!!! I HAVE FILED A CONSUMER COMPLIANT AGAISNT THE LISTED COMPAMIES BECAUSE OF THIS INFORMATION THAT IS HURTING MY CREDIT AT THIS TIME SO THEY CAN ALSO INVESTIGATE THE ACCOUNTS I never had a XXXX account under my name this account is fraud
Product: Credit card

Subject : XX/XX/ Cease and Desist Notice Regarding Alleged Debt Request for Debt Validation To Whom It May Concern, This letter is a formal demand that you cease all communication with me regarding the alleged debt referenced in your correspondence, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 
I do not acknowledge any liability for this debt. Under federal law, you are required to provide proper validation of the debt, including but not limited to : 1. The original creditor 's name and address.

2. A copy of the original signed contract or agreement ( if applicable ).

3. An itemized statement of the amount claimed, including principal, interest, fees, and any other charges.

4. Verification that you are legally authorized to collect this debt.

5. Chain of title or assignment 6. Forward Flow Agreement Until this information is provided, you must cease all collection activities, including phone calls, letters, or reporting this debt to any credit reporting agency. Failure to comply with this request may result in legal action against your company for violations of the FDCPA. 
Additionally, I demand that you cease all further communication with me regarding this matter, except for the required written validation of the debt. Any further attempts to contact me outside of compliance with 15 U.S.C. 1692c will be considered harassment and a violation of my rights under federal law. 
If you believe this debt is valid, you must provide the requested verification within 30 days from the date of this letter. If you fail to do so, I will consider this matter resolved and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. 
This letter serves as official notice under federal law. Please govern yourself accordingly.
Product: Debt collection

cks financial are harrassing me they have called 13 times today
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. there is also address and names on my credit reports that I do not recognize