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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, fXXXX XXXX XXXXAccount # XXXX Date opened XX/XX/XXXX Bal. {$0.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$710.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$700.00}, XXXX XXXXXXXX XXXXAccount # XXXX date opened XX/XX/XXXX Bal. {$480.00}, XXXX XXXX XXXX.Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Went to branch locations and was told account would be closed and not reporting late and the account has late reporting.
Product: Debt collection

I have had repeated phone calls from XXXXsomething. Finally, I got sick of it and started answering just to see what they wanted. Yesterday it was XXXX, today it was XXXX. Always very noisy in the background like it 's a call center. I can make out Diversified or XXXX something, calling to collect a debt owed XXXX, not paying could go on my record, call may be recorded. Today I was able to make out that they think I owe them about {$240.00} and they wanted to know if I was going to settle the debt using a credit card or checking account routing number. 
No mention of thirty days to dispute. Both times my reply was " I have n't had an account with XXXX in about a decade. I am not paying you anything. '' and hung up.
Product: Consumer Loan

I took out a loan with Big Picture Loans and have them paying a little extra but it is n't coming off the principal it is staying the same. Plus my payment is suppose to be {$160.00} which my and they took out {$170.00}. Plus my loan application date changes every day. I only completed XXXX application and only received money XXXX time.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$530000.00} - Late/Open- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

VENMO- opened a Venmo acct to use instead of XXXX XXXX. Transferred money INTO the acct twice! Sent gas money to a relative ( {$23.00} ) and they locked the account. Sent proof of identity ( recieved email that identity was confirmed ) but still cant access MY FUNDS! Please CANCEL this app. This is happening to many of us and at the end of the day, their main goal is to keep what WE worked for! Inhumane and disgusting!
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. 

XXXX : # XXXXXXXX XXXX XXXX # XXXX, 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 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 an 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

XXXX and my divorce started in XXXX XXXX  2015. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX. Filing false XXXX charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX and XXXX bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been XXXX  for harassment, tried having me XXXX XXXXand or XXXX  by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXX XXXX XXXXXXXX
Product: Consumer Loan

I had a XXXX my car and regretfully, I took out only a small {$400.00} loan with Sunset Finance to help with living expenses. Big mistake. Now, it 's not so much the money but now the principal of the matter in how this company manages their loans and customer service. Sunset Finance reps have been nothing but a nuisance by contacting me, my friends, colleagues and family excessively, sometimes twice a day triple-dialing my both home and office phones where they had exploited my reference/emergency contact list with unethical collection practices. This happened so much that I was forced to seek legal counsel and they advised me to create a " cease and desist '' letter. 

I was making payments of $ XXXX/month to Sunset Finance and 5 of those payments totaling {$470.00} have been paid back despite nearly paying back MORE than double what I borrowed which I came to find out had a ridiculously high interest rate like 86 % or more. I have tried to contact Sunset and emailed them requesting to negotiate a better rate or a reasonable payment but no response or they will not accept a payment other than their choosing versus what I can afford. I even enrolled in Consumer Credit Counseling Service and included Sunset Finance to help pay them back but they DO NOT accept payments from Consumer Credit Counseling which I do not understand. 

Now they have filed a false statement to the court and filed a lawsuit against me stating " defendant received loan on XX/XX/2015 and refuses to pay. '' and that is not true. I have paid back Sunset over {$400.00} back.
Product: Credit reporting

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by TransUnion, XXXX, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. In other words, it should be immediately deleted from any of my consumer records. 
I am writing to request that the credit bureaus ( TransUnion, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of buying a home and upon checking my credit report, there are damages on my credit. According to 15 U.S.C. 1681 law there should not be any damages on my report. This is a defamation to my character. I have tried multiple time reaching out the credit bureaus and the damages were not fixed. I also reached out to the creditors and NEVER received a response and I NEVER gave written consent to report anything on my consumer report which violates my rights!!!!!!
Product: Debt collection

Out of many disputed debts most were taken off after filing an affidavit from the XXXX. I have made two police reports and gave positive names of who might be assumming my identity. However the same 3 accounts are still appearing as derogatory unpaid accounts. They refuse to remove them no matter what I do. My credit score has  increased dramatically but the three derogatory accounts that are not mine still appear and the companies as well as the credit agencies refuse to remove them. Interestingly XXXX  did remove 2 of the 3 where XXXX refuses to remove any of the three. I have proven time again that they are fraudulent and not opened by me. I have a 100 % payment rate on my accounts that I actually applied for. Also under hard inquiries I have not ask or applied for credit in years. Then it says the length of time of my credit report is under 3 years I am XXXX and have purchased a home in 1999 and paid it off. I have had credit since I was XXXX and yet it reflects me as only having credit for less than 3 years.
Product: Credit reporting or other personal consumer reports

I sent letters to each bureau and i didn't get a response except from XXXX which was a stall letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a copy of my drivers license, social security and utility bille requesting old names and addresses be removed. sent certified mail. 
DID NOT HAPPEN. 

On XX/XX/2022 sent another letter certified mail. Notarized copy of license again, social security and utility bill. Letter received today XXXX XXXX. 
Will not remove old names and addresses from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion online website doesn't work for me ... has error messages, will not function.In order to dispute with a record I disputed XXXX XXXX  XXXX/ XXXX  account number XXXX by mail. THIS ERRONEOUS ACCOUNT IS SHOWING ON MY FILE WITH ME AS THE OWNER- ( RESPONSIBILITY INDIVIDUAL ) OF THE ACCOUNT.THE ACCOUNT IS NOT MINE! WHAT'S WORSE IS THE ACCOUNT IS SHOWING OVER THE LIMIT AND DESTROYS MY FICO SCORE TO AN UNLOANABLE STATUS. 
Formerly until XX/XX/2018 I was an authorized user on this account, a gift from a family member that I did not want or appreciate.NOW FOR THE ERRORS OF TRANSUNION AND OR XXXX XXXX  my credit is destroyed.This account should have been immediately deleted upon TRANSUNION 'S RECEIPT OF THE DISPUTE ... .BUT NEVER SHOULD HAVE APPEARED ON MY FILE IN THE FIRST PLACE. 
THIS IS NO EXCUSE OTHER THAN INCOMPETENT, IRRESPONSIBLE, UNCONSCIONABLE CREDIT REPORTING BY TRANSUNION AND THEIR CARELESS SUBSCRIBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently Equifax experienced a data breach and according to their records, my personal information was compromised. They are providing some services but the disclaimer attached to those services requires that I sign away my rights to involvement in any legal action that might be taken against them in the event that I suffer a lose or damage and would attempt to exercise my legal rights against them. I feel that this is not an appropriate action to take against consumers who have been harmed by Equifax 's failure to protect consumers ' information. 
Thank you.
Product: Debt collection

I have requested validation, made pursuant to the Fair Debt Collection Practices Act. FDCPA XXXX07 [ 15 USC 1962e ] several times from Portfolio Recovery Associates. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Portfolio Recovery Associates. 

Portfolio Recovery Associates has violated the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; by placing multiple negative marks on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company they may represent. 

Since Portfolio Recovery can not validate the debt, I am requesting that all credit reporting agencies delete the entry. 

Given the urgency of this matter, I will also be filing a formal grievance with XXXX XXXX XXXX XXXX XXXX XXXX, as well as the States Attorneys office of Louisiana. I will continue to explore every avenue of this matter until resolved.
Product: Debt collection

I had insurance with XXXX, I changed providers and they still tried to charge me after I had insurance with XXXX XXXX I'm asking to have this false information deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX  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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing you today because while reviewing my Equifax credit report ( Confirmation # XXXX ), I noticed several unauthorized inquiries being listed by Equifax XXXX. XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX. 

The following inquiries have not been authorized by me and should not be listed on my credit report : XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX XXXX ) XXXX XXXX ON XXXX/XXXX/XXXX I have attempted to resolve this issue with Equifax, all to no avail.
Product: Debt collection

I have informed Midland credit that they can contact me by mail and if they keep calling me it is a violation of the fair credit act. They have called XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX  ), XX/XX/year>. XX/XX/XXXX, XXXX. They call from different numbers. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. There names are XXXX and XXXX. I am a member of XXXX and they are trying to help me with my creditors. 
Respectively XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated " When we contact the furnisher ( s ) or vendor ( s ), we ask that they verify all of the information regarding the item ( s ) you disputed and report back in 30 days of the date that we received your request '' 30 days from XX/XX/XXXX to XX/XX/XXXX has exceeded leaving Experian at fault according to federal law. Pursuant to 611 of the Fair Credit Reporting Act, FCRA, 15 U. S. C. 1681i ( a ) ( 1 ) ( A ) Experian acknowledged and deemed to conduct a proper and reasonable investigation into my complaint, into my credit file.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX  findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I recently attempted to get cable last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 11 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX  XXXX XXXX XX/XX/XXXX {$4500.00} XXXX  XXXX XXXX XX/XX/XXXX {$6100.00} XXXX  XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX  XX/XX/XXXX {$120.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and fraudulent information on my credit report. As a survivor of human trafficking, certain accounts and debts were incurred without my knowledge or consent. These fraudulent accounts and derogatory items continue to harm my credit profile and do not reflect my true financial behavior. 

Key negative items include : XXXX. **Accounts in Dispute : ** - XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/year>, XXXX ) - XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) - XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX **XXXX XXXX XXXX** XXXX XXXX {$840.00}, XXXX ) - XXXX XXXX XXXX XXXX XXXX/Chargeoff ( {$1400.00}, XXXX ) - **Comenity CB/Zales*XXXX XXXX ( Late XXXX Days, XXXX ) XXXX. **Personal Information Discrepancies : ** - Incorrect names and addresses across all credit bureaus, including : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX. XXXX XXXX : ** - A fraud victim alert is active on my *XXXX* file, confirming fraudulent applications may be submitted in my name without my consent. I have been a victim of identity theft as part of the human trafficking ordeal. 

XXXX. **Negative Credit History : ** - Several derogatory marks are listed under collection agencies, including XXXX XXXX XXXX and XXXX XXXX XXXX which were incurred under duress.
Product: Debt collection

Portfolio Recoveries, attempted to collect a debt that was charged off and closed by XXXX XXXX in XXXX. Had them remove the damaging claim 3 time between XXXX and XXXX. But every 3 months they post it to my account causing my credit score to drop each time from fair to poor and may have been responsible for me not getting hired in management jobs between XXXX and XXXX where good credit is a primary factor., They repeatedly called me and harassed me by mail after I requested them to cease and desist. I have also had my legal representative send them a letter The Company responded by sending me the collections letter to me new address. Their new tactic is putting a new purchased date on the account even though the account has been charged off for over 10 years.
Product: Debt collection

XX/XX/2018 @ XXXX I just got a voice mail from this Cmre Financial Services. They refused to verify their identity and kept trying to get private information. I should be able to give you the reference number and you tell me who has hired you to collect this money. I believe this is a scam and harassment at it's finest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry on my credit report from a company called One Main Financial on XXXX XXXX, 2021. I have never requested credit from this company. I tried calling this company multiple times. They always transferred my call to either a voicemailbox ( which never returned my message ) or transferred to a number that hung up on me.