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

XXXX XXXX  claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with XXXX XXXX I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with XXXX XXXX they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge XXXX XXXX with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it XXXX  XXXX will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan
Product: Credit card or prepaid card

I have a Citi mastercard ending in XXXX. 
There seems to be a scam charge from some XXXX fax every month for {$19.00} for almost 6 months. I am trying to get it fix. When i contact Citi and ask them to block that merchant - they can't. When i asked them to provide me that merchant address and phone # - Citi has no information. 
Citi just want to send me a new card - that is inconvenience for me. 
How come Citi has no information about this merchant? 
I also complained this to Washington Attorney general. I have already initiated dispute but i want something better to be done at Citi 's end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, federally protected Consumer, have ordered my written instructions Cease and Desist pursuant to 15 U.S. Code 1692c ( c ). 

XXXXXXXX XXXX I demand you to remove all Negative Information according to federal law definition any form of default which is stated in my Cease and Desist. 

My Consumer Report shall be reporting 100 % positive and 100 % on time payments. 

If XXXX XXXX dishonor my Cease And Desist you shall be fined and imprisoned for not more than 20 Years or both pursuant to 18 USC 894 ( a ) ( 1 ) ( 2 ) as you are causing substantial harm to me and ruining my financial reputation for non repayment which validates you are extorting me by furnishing negative information and this is how XXXX XXXX shall be fined and imprisoned for 20 Years under title 18 U.S. Code 894 - Collection of extensions of credit by extortionate means.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number Experian:XXXX  Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Number Experian:XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX : ******** Experian : ****** XXXX : XXXX
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2020, I am finalizing a XXXX XXXX XXXX XXXX due to Covid-19 and the company managing and likely transferring the grant needs to  transfer the funds into my PNC account if awards. I tried to sync the small business group with my PNC bank account so the funds can be dropped into my account but PNC denied access.
Product: Debt collection

I received a Bill of an amount i supposedly owed which i didnt, the amount is {$510.00}. The company is from Texas and I live in New Mexico, it is called Convergent outsourcing , inc . This isnt the first time they send me Bills, they mispell my name. My name is XXXX and they mispell it XXXX. The people working there are very rude and dont help at all, ive asked them to put XXXX on phone and i stay waiting for hours. I strongly feel this company is scamming people. I suspect this company is targeting people of XXXX since this company is from Texas.
Product: Credit reporting or other personal consumer reports

for the past few weeks, I have been getting equifax to remove XXXX XXXX XXXX XXXX XXXX XXXX  from my credit report because both are showing false information. the balances are incorrect. I do not have two XXXX XXXX  accounts and the XXXX XXXX XXXX account is reporting falsely on my credit report as well. everytime I check, the disputes are finished with the accounts still on there. I have been a victim of fraud and identity theft according to the IRS
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Equifax has cost me several hours, money ( to freeze my credit with multiple bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Checking or savings account

I opened a savings account with Comenity XXXX bank on XX/XX/XXXX. I funded the account with $ XXXX/XXXX from another savings account that I have with another bank ( XXXX XXXX ). 
Comenity Direct put my account in 'Restricted ' immediately. 

They sent me a secure message in their online banking website asking for copies of my driving license, social security card and XXXX form. They provided me the option of sending the documents either my postal mail or through their secure message on their online banking website. 

I submitted the information they requested on the same day i.e. XX/XX/2021. 

I contacted them various times using their online secure message and also on phone about when they would remove the restriction on my account and when I would be able to withdraw my money from my account. 

Every time I was told that the information is still being reviewed. 

I called them today ( XX/XX/2021 ) on the phone and they told me that they received the documents and there is nothing further needed from me. Yet they did not remove the restriction on my account. 

Despite numerous follow-ups with the bank, they keep on saying that the documents are 'being reviewed by upper management '. 

So I asked them to close my account and refund me the money. They refuse to do so. 
It has been one month without the bank letting me withdraw funds from my own account. 

They are holding my money hostage on a flimsy pretext of 'upper management is reviewing '. This, in my opinion, amounts to fraud / theft as the bank is refusing to let me withdraw money from my own savings account without any legal reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account hasnt updated on my credit report since XXXX of 2022. I was in a bankruptcy that end around XXXX of 2022 and I have called multiple of times to get the account to update it status and nothing was done. I filed a complaint with XXXX XXXX in XXXX and Southeast Toyota Finance did nothing. So in XXXX of 2022 I bought a new car and the XXXX XXXX was payed off that same month and when I checked my credit report this month it still shows on my credit report as a open account with a XXXX balance and shows Im still under a wage earner plan that Im no longer under.
Product: Credit reporting or other personal consumer reports

I recently checked my TransUnion report and noticed multiple phone numbers that isnt associated with me. 

The only phone number associated with me is XXXX
Product: Student loan

I was encouraged to defer my loans and was not given other options for repayment.
Product: Consumer Loan

XX/XX/2016 I XXXX disputed XXXX late payments on my Equifax credit for my car loan company which is XXXX. I spoke with on of the supervisor with XXXX her name is XXXX XXXX who lied and gave me a fake confirmation saying that she talk with Equifax the loan will be place on my credit report. I called Equifax and Equifax informed me that XXXX have not submitted any paperwork. I had my lawyer to send Equifax and XXXX a certified letter to inform the companies about my complaint and once again both companies are not following the laws. As of XX/XX/2016 I have paid the total loan off and XXXX still havent place the loan for {$360000.00} on my credit report with out the XXXX late fee. My account # XXXX. I would like for these companies to place the loan amount on my credit with the late payments.
Product: Debt collection

XXXX XXXX is an XXXX XXXX that i used in the past, I cancel there service and they advise me to send them there equipment back whice i did. XXXX month later they send me to collection.WHY if i did send them back there eqipment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX, {$1400.00} XXXX  XXXX XXXX  : XXXX, {$1400.00} XXXX XXXX XXXX : XXXX, {$310.00} XXXX XXXX XXXX : XXXX, {$730.00} XXXX XXXX : XXXX, {$190.00} XXXX XXXX XXXX XXXX : XXXX, {$2000.00} XXXX XXXX XXXX : XXXX, {$260.00} Subject : Request for Immediate Removal of Income-Related Information from My Credit Report Due to Violation of 15 U.S.C. 1681 Dear Sir/Madam, I am writing to file a formal complaint regarding the inclusion of income-related information or transactions on my credit report, which I believe violates federal law, specifically 15 U.S.C. 1681a, 1681b, and 1681c. According to the Fair Credit Reporting Act ( FCRA ), it is explicitly prohibited for income or income-related information to be included on a consumer credit report, as outlined under 15 U.S.C. 1681c ( a ) ( 2 ), which restricts the reporting of income or income-related experiences.

I have identified that [ insert names of the companies ] have unlawfully included such data on my credit report. This constitutes a clear violation of the provisions governing permissible and lawful information to be reported. Under 15 U.S.C. 1681e, a credit reporting agency is required to ensure the accuracy of the information contained in the consumers credit report, and income-related data should not be part of the credit reporting process. I requested a 1099C and did not receive one. Income can not be on a consumer credit report. 

Therefore, I respectfully request that the CFPB investigate this violation and take immediate action to ensure the following : The immediate removal of any income-related data or transactions on my credit report, as this information is not permitted under the law. 
A formal acknowledgment that the involved companies have violated the law and take appropriate action to prevent future occurrences. 
A written confirmation of the actions taken to resolve this issue. 
I would also like to emphasize that if these violations are not addressed promptly, I may be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act and any other applicable consumer protection laws. 

Please consider this matter with urgency, as it is critical to the integrity of my credit profile and compliance with the law. I would appreciate an acknowledgment of this letter and an update on the status of my request within 30 days. 

Thank you for your attention to this important issue.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. I, therefore, insist on a thorough and immediate investigation to remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from an attorney office attempting to collect a debt, dated XX/XX/18 from Howard Lee Schiff, PC, who is collecting on behalf of XXXX XXXX XXXX, who is collecting on behalf of XXXX XXXXXXXX XXXX. First I never received any correspondence from XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states " Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- I have not given either company the above written consent to contact me in connection with the collection of any debt alleged. I have no known relationship with the companies XXXX XXXX XXXX, and Howard Lee Schiff, PC and am unaware of how they have obtained my personal identifying information with my knowledge and/or consent. I have sent a letter disputing the validity of this alleged debt which Howard Lee Schiff, PC has received via certified mail.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 


According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit card or prepaid card

I have a XXXX card issued by Fidelity ( Elan Financial Services ), and I'm filing a complaint regarding their lack of security procedure to protect their customers. 

On XX/XX/XXXX, after my card transactions were denied, I called their Customer Service line. The agent sent me a text to my cell phone for a 2-step passcode after verifying my other info. After that, I was told by the agent that on the previous day ( XX/XX/XXXX ), someone called in and reported the card was lost. The person requested that new cards be sent to XXXX, XXXX- not the address on my file. Fidelity processed that fraudulent request, cancelled my card, and was in the process of issuing new cards to the fraudulent address. I asked how could Fidelity process such request when I had to go through the XXXX verification. Plus, I never received email notification regarding my card 's cancellation. The agent said that she'll stop sending the new card to the fraudulent address, and re-issue new ones to my home adrress on file. She said the previous call will be reviewed, and gave me a case number. She said I can call the XXXX XXXX. XXXX to follow up. 

On XX/XX/XXXX, I called the Fidelity Visa card Fraud Line, and asked to speak to a manager. Manager XXXX  came online, and said the call recording of the first agent was reviewed, and the agent did nothing wrong because the caller had all my info. I asked how can Fidelity process the fraudulent request when I had to go through the 2-step verification. He responded that the 2-step verification process has been added to my account AFTER I reported the case- which is NOT true because when I called in on XX/XX/XXXX, I had to go through the 2-step process. 

I also asked why Fidelity did not have the security feature to alert account owner regarding card cancellation request, especially new card is to be sent to a different address. He just verified my email address on-file without answering that question. 

I'm filing security complaint against Fidelity Visa for lack of security procedure to protect their customer. 

XXXX XXXX
Product: Credit card

Kohls.com card was opened on XXXX XXXX in a different city ( XXXX, XXXX Kohls store south ) with the person opening this card in person, spending {$760.00} without my consent or knowledge of this card. They sent me the actual card in the mail to my address, that is when I knew about the card. 

I called the company on XX/XX/XXXX to request a fraud claim and start an investigation. They told me they would look into it for 30 days and send me the results.

I have requested fraud alerts from the 3 credit reporting companies to be placed on my file and my credit frozen so no cards can be opened in my name without my knowledge.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the FCRA act to perform a legal reinvestigation of disputed information in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ongoing dispute that was file in XX/XX/2017 with XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. This account was under dispute for several inaccuracies that were never addressed or responded to. I request an another investigation.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus on multiple occasions most recently XX/XX/year> in regard to inquires, addresses and accounts that don't belong to me. The requests are being ignored and not being responded to although they have no proof of this/ these debts or inaccuracies being mine. I am requesting that the inquiries be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following addresses are NOT mine nor have I ever lived at nor had any affiliations. I've lived on XXXX XXXX XXXX XXXX 6 years : XXXX XXXX XXXX XXXX tx XXXX and XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX. PLEASE REMOVE.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 Secon 604 A Secon 2 : It also states a consumer reporng agency can not furnish a account without my wrien instrucons. 

I checked my credit report with TransUnion and found an inquiry from a company I've never heard of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion does not allow me to dispute the inquiry on their website. I have a consumer statement on their website informing them I have been a victim of identity theft multiple times and provided instructions for anyone needing to review my credit to contact me. The company never contacted me and I have never had any interaction with them until yesterday. 

I Googled the company and called them. They comfirmed I have never been seen there as a patient. I requested they contact TransUnion to have the inquiry removed. The company stated they do not have the ability to do so.
Product: Consumer Loan

Issue was resolved earlier and now company is reporting a past due balance again. 
has been disputed multiple times on XXXX XXXX 2014 was issued a debt cancellation letter and XXXX but gm financial still refuses to update credit file to reflect no balance owed and reporting a past due balance.