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

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$5000.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$900.00} XXXX XXXX {$1900.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$31000.00} XXXX  XXXX {$62000.00} XXXX/XXXX  XXXX {$400.00} XXXX/XXXX   XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX {$360.00} XXXXXXXXXXXX  XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ). These collections are violating my consumer laws and its having a tremendous effect on me due to it violation my consumer laws and reporting inaccurate information on all 3 credit bureaus. Under FCRA law, credit bureaus are supposed to report information 100 % accurate on all 3 bureaus or it must be deleted. I ask for deletions of these accounts due to the credit bureaus not following consumer law. If not I ask for {$1000.00} per violation as it states in my consumer law. These accounts are : XXXX XXXX XXXX  ( XXXX : XXXX ) * reporting on 1 report ( delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX : XXXX ). 
Reporting inaccurate delete or {$1000.00} per violation XXXX  XXXX ( XXXX ) *reporting on 1 report and its reporting incorrect information on both reports ( Delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) *is reporting wrong date ( remove immediately ) or {$1000.00} per violation XXXX XXXX XXXX XXXXXXXX XXXX *Date open is reporting incorrect ( Delete immediately ) or {$1000.00} per violation XXXX  ( XXXX ) * Reporting on one report ( delete immediately ) or {$1000.00} per violation I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  Balance : {$440000.00} XXXX XXXX XXXX  Balance : {$100000.00} XXXX XXXX XXXX Balance : {$80.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3600.00} Date Opened XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX Balance {$250.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} Date Opened XX/XX/XXXXXX/XX/XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I have identified the reporting information on my report that are a result of identity theft. these information are not related to any transactions by me. 
PLEASE DELETE following INQUIRIES AND ACCOUNT. XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX XX/XX/23 XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  and account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfers

At XXXX XXXX XXXX XXXX, 2016 I sent a moneygram to someone in Florida for {$1300.00}. 
My contract says it would be delivered in 10 minutes. I specifically asked the Wal Mart worker if it would arrive in this amount of time due to the fact that it was to be used in a deadline situation. When the receiver tried to get the money he was first told that he could not use the identification he offered : his drivers liscence, a bank debit card in his name and a credit card in his name. They insisted that he use a social security card which he did not carry with him. He disputed their right to ask for his social security card and was told that MoneyGram required it, showing the statement to him on their rules for picking up the money. 
He called me, the worker refused to talk to me. He gave me a telephone number they supplied so that I could see what the problem was. I called the number and was put on hold for 25 min. I only managed to talk to someone by calling back and insisting that they help me. After he repeated his name several times I could not understand what he was saying due to a non-English accent. I told him what my problem was and he said I had to give him information to insure him that I was who I said. He proceeded to ask the following questions : my reference number ; my address ( was on the form for the transfer ) ; a major highway near where I live ; the name of the receiver ( which was on the transfer form ) ; his age ; his relationship to me ; what the money was to be used for ; what he did for a living ; what town he was picking the money up in ( the contract said he could get it anywhere in the state that served MoneyGram ; questioned my telephone number. This money had to be received and deposited in the receivers bank by a XXXX deadline, which I explained to him. By the time it was finally released for pick-up it was within minutes of XXXX, so he did n't get it in time to get to the bank by their deadline. As a result the bank is telling him his account is closed and can not be reopened due to overdraft in which he had the XXXX deadline that he did n't make on time.The money should have been there and been picked up by no later that XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX2022 the amount was XXXX Truist Bank XXXX XXXX XXXX nc my tax refund was sent to this bank which was confirmed by the irs .I dont bank with them but my tax Preparer does.
Product: Payday loan

I applied for and was Granted a " Big Picture '' payday loan. I was not however informed of the finance charges and fees associated with the loan until after I had " verbally & Electronically '' signed the document. I feel I should have been better informed of the trouble I was getting into. As the loan stands they 're going to charge me 866.2449 % int. fees, and Will end up paying back {$1400.00} on a {$300.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRAUDULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Product: Vehicle loan or lease

I had aXX/XX/XXXXXXXX XXXX Lease through GM Financial that I paid-off on XX/XX/XXXX of this year ( 2018 ). The lease was closed-out when we purchased a vehicle at XXXX XXXX XXXX, paid-in-full, and we were sent closure documentation and even a refund a month or two later for overpayment. 

On XX/XX/2018 we noticed withdraws still occurring from GM Financial within our checking account, and found automatic payments being withdrawn from our checking account in the amount of {$250.00} every month despite having paid-off the lease ( from XX/XX/2018 through XX/XX/2018). We thought, that's where all our money has been  disappearing! 

On XX/XX/2018, my wife called GM Financial, and was very kind and detailed, provided the exact days, amounts we paid, pay-off details, amounts still being fraudulently withdrawn with each day and amount, and ended up having to fight with an employee named XXXX ( employee # XXXX ) on points that were so silly that XXXX actually asked at one point, " Don't you think it's a problem that you didn't see XXXX coming out of your account for 5 months? '' As an argument against just giving us our money back! 

We requested a supervisor and were not able to speak with one. 

We emailed top executives ( XXXX XXXX ) at GM Financial requesting a remedy and suggesting that the voice recording of the call between us and XXXX be pulled to review the poor service representative. We received no response. 

We also contacted our Bank, XXXX XXXXXXXX XXXX XXXX in an attempt to prevent continued withdrawals by GM Financial. Our bank told us that since they're using a different reference number each time it wasn't possible to stop GM Financial from continuing to automatically withdraw fraudulently. Even the bank can't stop a fraud apparently. 

Today, on XX/XX/2018, we notice that yet another GM Financial withdrawal was made for {$250.00} from our account. We have had fraudulent withdrawals from GM Financial for 6 months now since paying off the lease in-full in XX/XX/2018, a theft of {$1500.00}. 

This is a crazy situation! We are so thankful for the CFPB at this point and aren't sure what we could even do without you! 

Please help : (
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED CREDENCE RM ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1200.00} This account has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing items in my consumer report for some months now, via telephone, via the CFPB portal, and also via mail with Transunion LLC. Recently, Transunion LLC deleted some accounts from my consumer report, but they failed to delete every item that was disputed, and they failed to provide me with the method of verification for the items that they chose to not delete. I'm demanding that Transunion LLC delete the following six inquiries and one account ; Inquiries - XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and Account - XXXX XXXXXXXX Account # XXXX. For reference to inquiries and account see attached documents titled Exhibit A and Exhibit B, within the attached PDF filed titled 'YOU BROKE THE LAW '. I've never given TRANSUNION LLC, nor any other person or corporate entity authorization, nor my express written consent, to publish, furnish, market, sell, or share any of my personal, private information, including but not limited to ; my name, my social security account number, my mailing address, telephone number, credit extensions, credit accounts, credit inquiries, credit balances, credit limits, timing of credit payments, etc. TRANSUNION LLC, never contacted me, the consumer, to ask for my consent to their creating and furnishing a consumer report on me, using my personal and private information.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have unauthorized accounts and inaccurate information being placed on my credit report. I have disputed these accounts multiple times by mail and online. I am in financial hardship with two kids. I am being denied because of my credit report. I'm unable to receive financial support/ gains due to the inaccuracies on my credit. I also look to see if my personal information was impacted by the data breach, and it was. It's too late file a claim. I AM IN NEED OF IMMEDIATE ATTENTION. I need these items removed from my credit. It's unfair and causing so much stress. 

As I study my consumer laws, I have to come to understand the rights and protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and other federal regulations. These laws are designed to ensure the accuracy, fairness, and privacy of information in the credit reporting system. It is disheartening to see these rights violated, as unauthorized accounts and inaccuracies on my credit report remain unsolved despite my efforts to dispute them. I am determined to hold the credit bureaus accountable to ensure compliance with these laws and protect my financial stability.

1. ( 15 U.S.C. 1681i ( a ) : The credit bureaus have failed to conduct a proper reinvestigation of my disputes within the required 30-day period.

2 ( 15 U.S.C. 1681e ( b ) : The credit bureaus are required to ensure the maximum possible accuracy of the information they report, yet unauthorized and unverified accounts remain on my report. 
3. ( 15 U.S.C. 1681c-2 ) : The FCRA requires credit bureaus to block fraudulent or unauthorized information upon receipt of sufficient proof, which I have provided, but no action has been taken.

4. ( 15 U.S.C. 1692 ) Consumers can dispute a debt and request verification before further collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd complaint to CFPB. Wrote to XXXX about reporting alleged debt to my account. They offered to validate debt but unfortunately was unable to validate debt and still no remedy. Details will be provided below. 
While disputing items since XX/XX/XXXX, as of date, 3 late payments were added to my account from XXXX which is also a violation. While validating debt, no late payments can be reported during an open validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to Experian and XXXX. My tracking numbers for each credit bureau are the following : Experian XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, it has been more than 30 days and the credit bureaus failed to send me their procedures as well as my investigation back. I am unclear about the bureaus methods that the accounts has been verified. 

According to the law ( 15 U.S. Code 1681 ) - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information in inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting or other personal consumer reports

Ive noticed some hard inquiries on my credit report that don't have permissible purpose according to 15 USC 1681b. Can you please investigate these hard inquiries below : Hard 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy. Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification. The Phone and Fax numbers of the Individual or Department from whom you obtained this information. Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA. Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy. You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A. 1692g ( b ) dispute and 30 days to provide the information requested above. If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.
Product: Credit reporting or other personal consumer reports

I contacted Experian for a copy of my credit report to dispute a sudden drop in my perfect credit. Suddenly i am getting a monthly charge from Experian and im a member. Apparently you are automatically enlisted in a membership if you request a report. After a few months if you dont cancel you are charged. This is NOT a free credit report as they state. It is a scam and they are taking advantage of people who are already challenged with a credit concern. This is disgusting and abusive and nefarious business practice and I am furious on behalf of all of us who have been scammed in this way.
Product: Debt collection

I received a bill from the Nationwide Credit Corporation ( NCC ) stating that I owed {$100.00} to XXXX XXXX XXXX XXXX XXXX program for service date XX/XX/XXXX. I immediately responded to NCC denying this charge and sending them documentation that I did not use XXXX 's services for the XXXX school year as my son was in Middle School, where services are not even offered. In addition, the amount they quoted was not even the correct amount that XXXX charged for those services. 

XXXX XXXX schools are dubiously known for their discrimination against minorities. This is another attempt for them to extract fees from a single XXXX parent. 

I emailed the NCC administration twice ( XXXX and XX/XX/XXXX ) of their error and I received another call this week. I told their customer service representative about my email and she acknowledged that the NCC has received my email. However, she could not explain why they were still contacting me at XXXX. 

The NCC is a crooked organization. They are attempting to charge me for services I never received nor agreed to. They can't produce any documentation where I agreed to a service charge nor can they show that my son received any services for the XXXX school year. 

I am requesting that the NCC remove my name and this debt from their records immediately. I am also requesting that they do not contact me about this matter again. 

Please help in stopping this unlawful, discriminatory and unethical attempt by NCC to collect unearned fees from a taxpayer.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my report : 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
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a dispute for transactions that were not authorized by me to Netspend. All the transaction 's were done online and Netspend is refusing to do anything about it. I spoke with them on numerous occasions and every time I spoke to them they would not do anything to help. I spoke with them on XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On the day of XX/XX/XXXX the 30th day of the dispute, I called to ask when the provisional credit would be applied to my card because they told me a provisional credit would be applied after 10 business days. The man told me that at XXXX. the system would update and that my credit would be on my card. He said he saw the credit and it was waiting for the system to update. By XXXX XXXX that night still no credit and I called them and they said my disputes were denied and that there was no error and they considered the matter closed. {$420.00} was taken from my account and they are refusing to do anything about it. I don't know what else to do. Please help.