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

The Following Accounts are a result of Identity theft and are not mine, I am requesting and demanding a FRAUD BLOCK REQUEST. I demand that the following accounts are BLOCKED IMMEDIATELY under section 605B Of the FCRA ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; INCLUDED ( 2 ) a copy of an identity theft report ; INCLUDED ( 3 ) the identification of such information by the consumer ; and INCLUDED ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( This Notice ) INCLUDED I demand all the above Fraudulent accounts BLOCKED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Thank you. 
Sincerely, 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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX ACCOUNT NUMBER : XXXX Account is not mine please remove from my credit report XXXX. XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX Account is not mine please remove it from my credit report XXXX. XXXX ACCOUNT NUMBER : XXXX This account is not mine please remove from my credit report XXXX. XXXX XXXX  ACCOUNT NUMBER : XXXX This account is not mine please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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 arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office , the XXXX XXXX XXXX , and the Federal Trade Commission . This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Product: Credit card or prepaid card

I was scammed by a website. I went to the USPS website to sign up for a change of address. After I finished I saw a charge on my account for for a change to my mail website. I never went to a change to my mail website I went to the USPS website. So I was scammed out of {$100.00}. So basically they are attached some kind of way to the government website. I went to NetSpend in disputed charge in XX/XX/XXXX of 2022. I got a letter today saying that they investigated it and that they found no error occurred. I call the company back again cuz the first time I called I couldn't get through so I called again. So there's no way to talk to somebody at the company. Because the company doesn't exist. It's a scam there's no mail forwarding I never got none of my forwarded mail. And I would have never signed up to change my address for XXXX XXXX NetSpend made a decision without even asking me my side of the story they didn't send me no paperwork to fill out. The website no longer exist for this company. So how could they make a decision to say that I can't get my money back because I was scammed when the company doesn't even exist anymore so it's obvious I was scammed. Please contact them to appeal their decision.
Product: Payday loan, title loan, or personal loan

I originated a personal loan ( XXXX XXXX XXXX XXXX ) with College Foundation , Inc. back in the mid XXXX 's ( XXXX? ) and needed a cosigner because I was un school and in my early twenties. The account has been in good standing and I have made payments on time throughout the life of the loan. 

Two months ago the company changed their policy and began sending my cosigner a statement that looks identical to my statement and asks for the recipient to detach the payment sub and submit a payment. It is addressed to my cosigner and does not explain anywhere that it is simply a statement and not a bill. The ONLY difference in the statement is that hey cosigner 's has printed above the amount required for payoff " SURETY ''. 

I have complained to the company asking that they change their cosigner statement to clearly identify that it is NOT A BILL so that recipients are not upset or concerned that the primary loan recipient has not made their payment or that they now owe money as well. I was told by both customer service representatives that they will not change their statements and only informed that they would pass along my complaint to the billing department. When I asked if they understood why this was an issue that needed to be fixed they said they did not see it as a problem. This is unacceptable. 

Outside of paying off the account in full or refinancing without the cosigner the situation will persist. This company needs to be held accountable and asked to make a simple change in their statements to avoid hassles for their loan holders and possible duplicate payments received by them in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 30 days late in XX/XX/XXXX 60 days inXX/XX/XXXX, 90 days in XX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX 150 days in XX/XX/XXXX, 120 days in XX/XX/XXXX, and 180 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

good evening, I am filing a complaint on experian for providing me with false results repeatedly XXXX I disputed this account based on their incomplete payment history reporting. XX/XX/2021 report # XXXX experians results say they have updated the account based on the disputed information. nothing was updated. payment history still incomplete. 

I responded back XX/XX/2021 asking what did they update because the before and after results stayed the same. correct me if im wrong but since they updated the account then they should be able to show proof of their investigation in my results for my viewing. its my report so its my right to know. 

my new results dated XX/XX/2021 with new report number XXXX, 10  days later from my letter, showing " the item you disputed has been updated, which may include an update to the disputed information. '' again absolutely nothing was updated. everything reports the exact same as my before results but this time with a new report number. to my understanding a new report number signifies a new investigation has been processed, and new investigations are done within 30-45 days, not 10 days according to their website. this is not right they are sending me false results as stall tactics. either way this is not the way a investigation is suppose to be handled. according to the Experian Website Disputes Related to Accounts or Public Records " Updated : This can mean a couple different things, such as : The information you disputed has been updated. 
The information you disputed might have been verified as accurate by the data furnisher, but other information on your account unrelated to your dispute has been updated. '' " Deleted : The disputed item was removed from your credit report. '' " Processed : The disputed item was updated or deleted from your credit report. '' " Remains : The company reporting the information has certified to Experian that the information is accurate, so the item has not changed. '' this information is coming straight from their website. they state that if nothing was changed then the results should say Remains. and if there was a update regarding my letter or not then that's when the results will say Updated. 
WHY DO MY RESULTS SAY UPDATED WHEN NOTHING WAS UPDATED???? this is not even about the incomplete payment history anymore, now this is having to do with experian and their illegal practices and for failure to properly conduct a proper investigation under fcra law. experian is responsible for damages having to do to my credit report, character, and preventing me from applying for new credit opportunities. bottom line if the account was updated then they should be able to provide proof of the updates for my viewing especially when I requested what they updated on two attempts.
Product: Vehicle loan or lease

I was turned down to refinance my home today because of a recent delinquency reporting on my credit report from Ford Credit in the month of XX/XX/2020. They are claiming to not have received my payment that was sent to them electronically on XX/XX/2020. I did make this payment from my XXXX XXXX  online Bill Payment ( Please see attached bank statement and proof of payment ). Ford Credit never credited my account for this payment which was the payment in the amount of {$750.00} that was on XX/XX/2020. Ford claims they never received the payment but I definitely sent it and have proof attached. I informed XXXX in XX/XX/2020 that it was never credited to my account with Ford Credit so they filed a dispute to recover the funds which was credited back to my account in XX/XX/2020. However, Yes I got my funds back but my credit is now destroyed over this bank error that was beyond my control. My job is to make my payments on time which I did and I have always been doing. I can't refinance my home because of this inaccurate credit reporting caused by a bank error and I am requesting that this be corrected immediately.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an inaccurate tax lien placed on my credit report. I have a letter from the lien holder stating that it was completely wrong and should never have been placed on my report. I sent the letter to the 3 credit reporters. 2 of them have removed it. Equifax will not remove it. I have sent it to them 5 different times. It is also past the 7 years that it should have just fallen off and still it is there. Any way you can help me with this??
Product: Debt collection

XXXX XXXX made four ( 4 ) calls to my beloved wife XXXX and me between XXXX XXXX XXXX XXXX XXXX on XXXX XXXX,2020. Two ( 2 ) for XXXX and two ( 2 ) for me! This in an attempt by XXXX XXXX to collect an alleged balance due and owing. I have several times by email objected to XXXX XXXX. 

In addition, XXXX XXXX repeatedly told me that my balance was XXXX as I had cancelled the XXXX XXXX service as of XXXX XXXX,2020. Repeatedly XXXX XXXX emailed that my balance is XXXX. Then without my knowledge XXXX XXXX referred a claim to Afni Collection Agency that demands payment. XXXX XXXX although it had repeatedly told me my balance was XXXX nevertheless without giving me prior notice of an alleged bill due and owing sent the bill to this collection agency. Most dishonorable and deceptive!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XXXX of 2017, I purchased a " Used '' XXXX. Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX XXXX XX/XX/23 and XX/XX/23 XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX and TRANSUNION credit reports. On XX/XX/2019 I identified a fraudulent and unrecognizable account on my credit report that had been opened without my consent. Please block listed account below : XXXX PERSONAL LOANS I am requesting the account to be removed permanently from my credit reports. This account is fraudulent, unverifiable, and violates my consumer rights.
Product: Debt collection

Account XXXX XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX ASAP off my credit report or 1 will take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Best Buy XX/XX/2021 I did not authorize these inquiries and did not apply for these cards.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible : 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score.  I then called the three Credit bureaus, XXXX, XXXX, and Experian to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX  XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.
Product: Credit card

Over 18 months ago, I secured a WALMART Credit Card - solely for the purpose of purchasing a mobile phone for my son. WALMART always notified me -by email- of the monthly billing. THEN in XXXX 2014 - WALMART STOPPED PROVIDING ANY EMAIL NOTICES ( about pending bills or paid bills ). WALMART SOLD THE CREDIT CARD BUSINESS TO SYNCHRONY. I HAVE ATTEMPTED TO GET AN ANSWER FROM BOTH WALMART AND SYNCHRONY ABOUT THEIR FAILURE TO SEND THE EMAILS. NEITHER EVER ANSWERED. I BELIEVE THAT THIS IS A DELIBERATE ATTEMPT/SCHEME BY WALMART/SYNCHRONY TO DECEIVE THE AMERICAN CONSUMER - MOST CONSUMERS RELY ON THOSE EMAILS NOTICES TO MAKE TIMELY PAYMENTS OF THEIR BILLS. SO WALMART/SYNCHRONY ARE DELIBERATELY REFUSING TO PROVIDE EMAIL BILLING NOTICES - SO THEY CAN BILL AND COLLECT DUBIOUS LATE FEES FROM XXXX CONSUMERS.
Product: Bank account or service

On XX/XX/XXXX, I was living with my brother when his house caught fire in XXXX. I went to the hospital for treatment. XXXX told me they would provide me with housing, my medical bills would be paid and I would get paid for all my belongings lost in the fire. As of today I have not received anything. It came to my attention that a check was issued for me. XXXX cut a check made out to my brother and his wife, ( they were divorced XX/XX/XXXX ). My brothers wife endorsed the check, deposited it, and took the money for herself. My brother never endorsed the check or saw the money that XXXX said was intended for me. This incident was reported to the XXXX on XX/XX/XXXX.