23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed this account from XXXX XXXX XXXX with you and with the three credit bureaus. I did receive a letter from XXXX XXXX XXXX that stated they believe that the account belongs to me and is not a identity theft account. I have asked numerous times to receive paperwork that shows how they determined that and I have yet to receive it. I would like to receive this information.
Product: Credit reporting or other personal consumer reports

Equifax has no multifactor authentication when logging into an individuals credit info account on their website. The company itself has had numerous system hacks and personal information has been stolen from their database which affects basically anyone with a credit card. Even after all these breeches you can still log into their systems without being authenticated. It is such a security risk and leaves customers open to more fraud. Anyone can login and turn off a credit freeze, etc. Both XXXX and XXXX have instituted XXXX given the sensitivity and potential damage that can be done when someone identity is stolen. Equifax is reckless and irresponsible by not providing this security feature when accessing an account on their system.
Product: Bank account or service

I wrote check # XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/15. XXXXDue to a subtraction error it bounced. Subsequently I wentinto the the store and spoke with an assistant manager whowas supposed to tell the store manager that I was going to come in toward the end of the month and pay the check. 
I also wrote to XXXX XXXX, President of the store andcomplained of their tactics. 
Since then they have referred the check to Telecheck andTelecheck 's internal collection agency for collection. Theyhave also presented the check for payment FIVE TIMES ( XXXX, XXXX, XXXX, XXXX, and XXXX/XXXX/15 )!!! 
My bank paid the check on the final submission on XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

A new hard inquiry was made on my XXXX account for a Chase card on XX/XX/2018. I did not authorize this. Additionally, the cell phone number provided with the hard inquiry is wrong. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I previously filed a complaint against Wells Fargo who continues to make a legal determination on my behalf with being my legal consul or attorney. On or about XX/XX/2023 I was made aware of a XXXX XXXX taking money out of my account and I immediately made Wells Fargo aware of this situation and they continue to deny credit my account for XXXX stating that the transaction were authorized. It has come to my attention that according to the agreement/contract that I sign with Wells Fargo they have that specifically states that if you tell us within XXXX business days after the loss, you can lose no more than XXXX so why are they withholding XXXX which way more than XXXX. They are now in XXXX of contact and I will be filing a XXXX claims for not only XXXX of XXXX but securities fraud.
Product: Checking or savings account

I traveled to XXXX on XX/XX/XXXX, and at the airport I wanted to order a XXXX to drive me home. Imagine my surprise when I discovered my account has  been frozen with my funds with no explanation or notification from the bank. I was completely helpless and shocked with no means of transportation. I will spare the details but thank XXXX a very kind stranger helped me out. Days later, I receive a mail saying my account has been closed and my funds ( more than XXXX $ XXXX ) will be sent in a cashier check. It has been 2 weeks already, I havent been able to feed myself properly, I havent been able to work with no means of transportation and I havent been able to pay my rent. I called Bank of America and went to my main branch but they still asking me to wait. I dont know what to do anymore Im desperate. Please can your institution help with my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to my credit score this morning and amazingly I saw this hard inquiry on my report about capital one on XX/XX/XXXX and I never tried to apply for a credit or loan from that bank at all plz help me
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$52.00} XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting or other personal consumer reports

In accordance with the Faith Credit Reporting. Everything has to be 100 % accurate in my report. The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is inaccurate, among other things that has been highlighted and circled I have included. This is grounds for removal because it violates my rights.

Under 1561 U. S.C. Section 602 A. States I have the right to pricacy.

1561 U. S. C. Section 604 section 2 states a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have recently received a copy of my credit report. The report had an account listed from XXXX XXXX a credit card. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. I provided a identitytheft report and a police report, backing my claim and nothing happened. 

XXXXXXXX XXXXi ( Opened XX/XX/2018 ) I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account withXXXX XXXXXXXX. Someone opened this account in my name in 2018 please remove it immediately before further harm is done. I am requesting that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the XXXX complaint I've made in regards to this issue. I was reviewing my consumer report and was challenging a " Charged-Off '' account for XXXX XXXX XXXX XXXX XXXX was paid in full in a timely manner. The original creditor ( XXXX XXXX XXXX ) decided to alter their information after I made an initial complaint with you guys. I've shown proof they were incorrect and had been paid. I am now seeking the credit agencies ( XXXX, XXXX and EXPERIAN ) correct the improper reporting record on my report. I should have never had a charge off placed on my consumer report and it has been hazardous to my XXXX XXXX. It has been affecting me in a negative manner by preventing me to receive credit. I am providing the information dated XX/XX/XXXX that shows my insurance paid ( {$11000.00} ) on an owed amount of ( {$13000.00} ) which left a reamining balance of ( {$2200.00} ). I will also provide the GAP Insurance check in the amount of ( {$3600.00} ) which covered the remaining balance with an overpayment of ( {$1400.00} ). Then I've place the warranty cancellation check that was supposed to have been credited to the account in the amount of ( {$920.00} ). My insurance overpaid ( {$230000.00} ) and I have never received my money from the company. Not only have they not paid me, they've caused me financial damages in the aspect of being denied credit. I am currently seeking to go to arbitration so that I can sue in the amount of {$10000.00} ( I will upload paperwork ). The last car I purchased came with a higher interest rate and higher car payment due to the unsatisfactory business provided by XXXX XXXX XXXX. There are various inaccuracies that have been shared amoungst the XXXX credit agencies and thats why this report needs to be CORRECTED on my consumer report. FIRST OFF they were paid so a charge off should never have been on the account. Also there is a different " Last reported day '', " Date last active '' and " Date of last payment '' accross the board for all 3 agencies. Furthermore they have illegally reaged the account by continuing to report the charge off every month. These inaccuracies can easily be confirmed to not be true based on the information they've provided vs the proof of the documentation that I have uploaded. There's been a violation of 15 USC 6801 from the beginning by even reporting my transaction history. Thats a strict violation of the Privacy Act of 1974 which can be found at ( 5 USC 552 ( a ) ). Please enforce the 3 agencies to do the right thing for my accounts to prevent this negative damage from lasting any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This account isnt mine. I am the victim of identity theft.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXXDebt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Comenity Capital Bank, a division of Alliance Data ( NYSE : ADS ) is willfully and intentionally violating the Consumer Protection Act. They have left a minimum of 3 voicemails to my daughter 's father ( me ), mother, and mother-in-law regarding a collection effort. They are NOT seeking information about how to contact my daughter, as allowed. They have been leaving her voicemail messages and by her outgoing greeting they know they are reaching her. 

They are contacting extended family all in separate households and states with the explicit intent of causing embarrassment, believing this gives them leverage in their efforts. This is a low-life company deliberately violating US policy. 

" Hi XXXX, my name is XXXX with Comenity Capital Bank. This message is intended for XXXX XXXX. I'm calling in regards to Children 's Place. We've made several attempts to reach XXXX regarding this matter, and I do need a return call today. My direct phone number is XXXX. And my extension is XXXX. XXXX if you could pass my information along that would be greatly appreciated again, my direct phone number is XXXX. My extension is XXXX '' This is out of bounds for what they are allowed and these out-of-bound messages are deliberate, intentional, and illegal. They are simply the worst collections policies and practices I've seen in my entire life. Shame on the soulless people that choose to work there and use these tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries that were done without my knowledge and or consent and they are still on my report. Under FCRA laws, I have the right to an accurate and true report. You can not verify or tell me something is true because its showing on my report. The credit report is information from third parties who can and will not speak for me. Please remove them. It was disputed within the bureau and as you are the distributor of my credit report, this is a bureau issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problems are three-fold : 1 ) Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency and did not issue information regarding the attach until MONTHS after the fact. Long enough for their employees to sell company stock at a higher price KNOWING price-per-share would plummet after revealing such a wide reaching leak of information. 2 ) Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, as well as credit card numbers for millions of people. 3 ) Equifax did not take proper security measures to protect their digital site and by not doing so, allowed hackers to target vulnerability within their network to gain access to personal files and information. 

Absolutely 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

I wrote TransUnion on XX/XX/2021, requesting removal of a written off XXXX XXXX account with a {$6.00} that is over XXXX XXXX XXXX, but I did not receive a written reply.
Product: Credit reporting

My Equifax credit report is substantially different from XXXX and XXXX reports, specifically there is a XXXX ( XXXX ) and XXXX ( XXXX ) point difference between this XXXX report and the other XXXX. I have tried to resolve this discrepancy with Equifax to no avail. I realize that differences will exist between the reports but I believe that this discrepancy is egregious and is having a horrible effect on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. I have contacted them multiple times and raised this issue.
Product: Credit reporting or other personal consumer reports

They are using My social security For purchases that are not me
Product: Debt collection

This complaint is a response to a previous compliant response submitted on XX/XX/18 to credit collection services # XXXX This debt is not my debt and I don't own your company anything. No contract was never established with your company..
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account, XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. It has leads been DELETED, yet is still showing up on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Consumer Loan

I took out a flex loan XX/XX/2016 shortly after the loan was taken out my child was XXXX and I became late on all my bills. I contacted Advance Financial XX/XX/XXXX and again XX/XX/XXXX via telephone and I mailed a letter stating that I was aware of my account being behind and wanted to know if I could settle the account by making smaller payments and I received no response. I started receiving mailing from attorneys because I am being sued not only did they not respond they have now attached attorney fees and other fees. This will for sure force me into bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid have remained current or paid my balances off to my creditors. I paid XXXX XXXX off recently and left the account open. My scores increased with XXXX, XXXX and XXXX XXXX. My scores ranges from 679-700. With Experian I enrolled in boost and before they finally updated the credit score, my experian credit score was XXXX. When experian updated my credit score, it dropped 15 points to a XXXX! When I called to speak to an agent. I was transferred several times before I spoke to someone in the correct department. When I asked if there was anything current that was negative on my report, I was told no. The agent said the bankruptcy in XX/XX/XXXX, the late payment in XX/XX/XXXX, and the years of the oldest account is the reason why it dropped. That's an unacceptable excuse. My score has increased do to current payments, and a lot of hard work and consistency. I demanded my 15 points back and was denied. I don't understand why they would consistently increase my score and give me a boost, to bring it back down because I paid off a credit card that I left open. Since I paid XXXX XXXX in full my score for XXXX XXXX is a XXXX. Experian is the only creditor which lowered my score. was told to notify consumer finance and make a complaint.