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

In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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 1681 s-2 ( A ) ( a ) 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. Delete the accounts below. XXXX XX/XX/year> EQUIFAX
Product: Debt collection

Years ago when they first harassed me about this issue I asked them to send me the application form where I signed that I understood that I would be charged extra for any pet damages since I had already paid additional every month to have my pet ( that would have been covered for damages ) Also, I wanted photos of the damages because the property manager had told me no one would be available for a walk through with me when I left the apartment so this whole thing seems like a scam to me to get money. They never contacted me again after I requested this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$28000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$12000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$7900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Debt collection

I have been working with XXXX XXXX XXXX , XXXX since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from XXXX XXXX, XXXX. I informed her that I never had a credit card through Citibank, NA. So I contacted XXXX XXXX XXXX, XXXX on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that XXXX XXXX, XXXX sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to XXXX XXXX, XXXX on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against EXPERIAN, TRANSUNION and EQUIFAX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to provide the Method of Verification ( MOV ) after verifying a disputed account on my credit report. Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be properly verified, it must be immediately deleted from my credit report. Since the credit bureau has failed to verify the disputed item properly, I request the CFPB to investigate this matter and ensure compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX WITH THE XXXX ACCOUNTS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -=TO YOUR COMPANY, I HAVE XXXX ACCOUNTS ON MY CONSUMER REPORT THAT IS SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY. THESE LATE PAYMENTS ARE INACCURATE AND MUST BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE. PLEASE UPDATE THESE XXXX ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY.
Product: Debt collection

XXXX XXXX sent out a flyer advertising their services for {$9.00} per month. I went to their place of business and they produced a contract for me to sign. When I got home I looked the contract over and found they were going to charge me {$19.00}. The next day I called them and told them I did not want their services and wanted to cancel the contract. They wanted to know why and I said they were charging me more than the advertisement stated. They told me I did not qualify for the ad prices and I could not cancel the contract. 
I then started getting a bill from Affiliated Acceptance Co. I sent them a letter and told them I did not owe this bill. I still received numerous bills for the contract I signed with XXXX XXXX. They have called me and I told them not to call me again. They are still calling me. I sent a complaint to the XXXX and they sent me a letter stating they tried contacting the company but they did not answer them. I filed a complaint with the credit bureau and the investigation and removed them from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Transunion and XXXX / XXXX XXXX   place XXXX inquiries on my Transunion XXXX file without my consent. Please see below. 

I am victim of identity theft, this has been reported to the XXXX major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize XXXX inquiries on my Transunion Credit Report on XX/XX/2019. 

Please remove immediately. XXXX XXXX from XX/XX/2019 XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I received a check from a bankruptcy distribution. I deposited the check into cashapp. The next day I received a note that the check was denied and I was banned from depositing any more checks due to my violation of the terms of service. 

I have repeatedly asked support why the denied the check and how exactly I violated the terms of service by depositing a completely legitimate check. 

They refuse to answer, they just tell me to see the terms and refuse to say how they decided the check was bad, or why I cant appeal it when they are blatantly wrong.
Product: Credit reporting

Hi I am XXXX, I asked my annual free credit report from Equifax but they are not able give me that, they are simply telling some or other reason I have received credit report via mail twice once but when I ask them they say your address is wrong in our system. ( which they corrected it seems today ) I am afraid why I am not able to see the report online and how I receive the credit report on mail when Equifax has wrong address. 

Please look into this Thanking in anticipation. 

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

This is my 3rd time I reached out to transunion about unauthorized inquiries on my report and they have refused to do so. There are 23 account and promotional inquiries that are on my report. If they can not provide me with the original application along with my original written ink signature. Immediately remove them from my report
Product: Credit card

I called my Chase bank to request they send me my renewal credit card. They said I could make the request online so I logged in while they were on the phone. While going thru the steps to order a new card I found someone elses name and address listed as the mailing address where my credit card was going to be sent. I told the person on the phone and they said they didnt have that information and to call back on Monday. I live in California and the address comes back to a lawyer in XXXX, Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX XXXX on XX/XX/2023, and it was denied because EXPERIAN Credit Bureau does NOT have my current credit card and bank information listed in the report they keep. They are showing I have NO credit history and NO credit cards or bank accounts. I'm XXXX XXXX XXXX, have had so many credit accounts and always paid in full never late. The other XXXX bureau 's have my current and correct information, but EXPERIAN does not list anything. And wouldn't you know it, XXXX XXXXXXXX XXXX who issues the XXXX XXXX XXXX card only checked with EXPERIAN credit reporting bureau. I have tried to contact Experian but there is no reliable contact info. I have tried to use their " BOOST '' web feature to list my current credit card info which is FOUR AND A HALF YEARS OLD and current, but their " boost '' feature does not list my credit union by name and so I can't correct the info myself. I have written them a letter demanding this credit info be added to my Experian account so I may be able to obtain credit per my legal right.. I am asking for help to get them to correct THEIR mistake which is causing ME to suffer. Thanks.
Product: Credit reporting or other personal consumer reports

REMOVE INMEDIATLY THESE FRAUDULENTS ACCOUNT TO EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR TWO TIME I MAKE FTC REPORT FOR BOTH ACCOUNT IS NO MINE, IS OPEN FRAUDULENTLY AND I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem, THE DONT PROVIDE TO ME ANY DOCUMENT UNDER MY NAME, THIS IS A VIOLATION TO MY RIGHT where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from the both company XXXX XXXXXXXX XXXX and XXXX XXXX XXXX with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

After months of intense disputing with the credit bureaus, XXXX XXXX, and The Bureaus directly I thought this nightmare came to an end when the account was finally removed from my credit report, only to be woken up after a long days work by a collection agent from the Bureaus!! Not only did they totally belittle me, they told me I still owe the money, I still need to pay them, and they will still be doing everything to enforce their request for payment! I requested, by certified mail ( see attached ) that they no longer contact me by phone, I also sent them the fraud form I filed with the police! HOW DARE THEY!! PLEASE HELP ME!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 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 follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16815-2 ( 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 is inaccurate. that the information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and I am aware that this company is not abiding by the regulations of the fair credit reporting act. Please review the attachments.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Bmg money if reporting an account as delinquent even thought its been paid in full. Please DELETE account. Do not update. I have the promissory note stamped paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting a specific detailed section from my LexisNexis consumer report. 
It deals with how information about my address history is collected in Section 2 of my consumer report. I have been requesting the detailed information as to how their company compiles this information, as the report itself states that the consumer can request this detailed information. They have continued to send me nothing more than additional chips of the same report. I have been requesting the further detailed report of Section 2, and they have failed for months at delivering this item to me
Product: Vehicle loan or lease

Hello, I am having problems getting Freedom Truck Finance to do a full investigation on my account. I was approved for 4 extension on this loan. They only have 2 due to a new company buying them out. My love should have never have any late payment nor should they close this account on my credit report. They can 't provide any paper work showing my original loan. I paid the balance out in full when I was suppose to but according the FTF I didn't. I would like my account open on my credit report with no late payments. 
Here are my account numbers. 
Original loan- # XXXX New loan with new company-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall being late. I need this problem fixed ASAP, I will not wait another 74 days to receive no response because clearly Im being ignored. I demand this accounts be updated immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove/update items from my credit report, it has been 74 days so they should be updated to pays as agreed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts over 60 days ago with Transunion and another company by the name of XXXX XXXX XXXX XXXX which neither accounts never belonged to me and were the result of identity fraud/ Despite my previous disputes with both XXXX   XXXX XXXX  and XXXX  XXXX XXXX XXXX reporting to my credit file. XXXX XXXX XXXX has intentionally violated THE FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692e 8 which states " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. On the other hand Transunion has failed to respond within 30 days of my initial dispute which is a violation of the Fair Credit Reporting Act in addition to not blocking fraudulent information upon being notified by consumer within 4 days per section 605b. These actions are considered illegal under the laws that govern the consumer reporting agencies as well as Debt collectors and both parties should and must be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit card account used to apply fraudulently for a line of credit for a loan from the US Gov small business association and opening a credit card account with Wells Fargo
Product: Debt collection

I RECEIVED AN EMAIL IN  XXXX  FROM   XXXX   XXXX   XXXX   XXXX   ME TO CHANGE MY PASSWORD. I THOUGHT IT WAS STRANGE BECAUSE I WAS A   XXXX   CUSTOMER SINCE  XXXX . I CALLED   XXXX   XXXX   XXXX   TO INQUIRE ABOUT THE EMAIL AND THEY STATED THAT IT WAS FROM MY ACCOUNT. I TOLD THE  XXXX  I DID NOT HAVE AN ACCOUNT WITH HER COMPANY AND WANTED THIS INVESTIGATED. SHE STATED THAT THE ACCOUNT WAS OPENED IN  XXXX . I ASKED WHO WAS PAYING THE BILL ALL THESE YEARS AND SHE STATED SHE COULD NOT GIVE ME THAT KIND OF INFO.   I REFUSE TO PAY FOR A CELL PHONE BILL THAT DOES NOT BELONG TO ME.   XXXX   XXXX   XXXX   SOLD THE COLLECTION TO CREDENCE RESOURCE MANAGEMENT WHO IN TURN HAD THE NERVE TO PUT THIS BOGUS ACCOUNT ON TO MY CREDIT REPORTS.