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

I recently disputed a bankruptcy with Equifax. They came back and " verified '' it with XXXX XXXX. Problem is I have never given XXXX XXXX any permission to house a report on me let alone disclose any info to any 3rd party. If the US Courts don't share this information who has given Equifax or XXXX the authority to do so. I am demanding Equifax ceases and desist of this reporting or I will exercise ALL of my rights under the FCRA. XXXX XXXX has been sent this same communication since they are partners
Product: Debt collection

On XX/XX/XXXX at XXXX I received a call from Endpoint Resolution Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX from the number XX/XX/XXXX I spoke with XXXX. XXXX represented himself as a law firm stating that I was going to be sued for an undisclosed amount owed for a XXXX account, he stated that their company only takes on accounts in which the debtor has assets that have been verified ( I own nothing, have been unemployed for 3 years, and homeless in the last year with XXXX children ). He stated that " You WILL be going back to work, you WILL have wage garnishment '' and that I would be served by a process server in the next 3 days who will come with a security team and that I should be prepared, at which point he was specifically warned that this is a second amendment residence, and that I did not appreciate his threat or comments for the need of a security team. 

I was immediately irate because he spoke to me in a condescending manner, represented himself as a law-firm and threatened me with a lawsuit and made comments about a security team coming to my home, he was rude and mumbled through our conversation. He did not state the company name, did not mini Miranda me, and told me that I will be paying up!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX is still reporting an account on my credit file my XXXX XXXX XXXX. If Transunion and XXXX review the response from XXXX XXXX XXXX from Consumer Financial protection bureau XXXX XXXX XXXX XXXX XXXXXXXX. Response was submitted by XXXX XXXX XXXX on XX/XX/2022 which states they dont own the account and according to the Fair Credit Report Act if you dont own the account you can not report any accounts the someones XXXX file. XXXX XXXX XXXX has not right to report this account. This is a serious and fraudulent account that you all are allowing XXXX XXXX XXXX to report. I have attached a copy of their response which states they are trying to collect on the behalf of someone else. Again XXXX XXXX XXXX does not own this account and legally they can not report it. So at this point XXXX and Transunion is liable as well.
Product: Credit card or prepaid card

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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

I have filed a dispute in regards to the incorrect items on my credit report. I has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, TransUnion, XXXX, also XXXX 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.

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. There should be nothing negative in my consumer credit report I never gave oral or written consent.! This is a federal violation. Due to the negative reviews on my consumer report I have stuffed great XXXX. I am not able to get approved for anything due to the negligence of the credit bureaus. This had caused me great stressed. I missed out on my dream home due to the false and deceptive practices and the false and misleading information the credit bureaus gave me I lost out on my dream home and I have been mentally drained ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails with personal loan offers that clearly stipulated that finding out my " rates '' WILL NOT affect my credit score as it won't be a hard inquiry. If I decide to go through with the application and select a loan product, then that's when the hard inquiry will occur. Well come to find out, they accessed my credit report ( hard inquiry ) without my concern, especially since I didn't select any of their personal loan offers given the sky high interest rates. I'm shocked to find that they have pulled my credit, and used it in ways I NEVER consented to. This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIZENS BANKXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I've been unable reach the bank after being on hold for over 30 minutes and there is no indication how to close the account online.

I tried to close the account based on my previous complaint but was unable to then.
Product: Credit card or prepaid card

I purchased one {$500.00} visa gift card at XXXX XXXX XXXX on XX/XX/XXXX and spent {$64.00} dollars at XXXX. The gift card should have a balance of {$430.00}. Today I logged in XXXX  to check my balance and found that there are several unauthorized transactions occurred on XX/XX/XXXX and XX/XX/XXXX in DC and Texas. The current balance is about {$50.00}. I called the customer services but they did not get me through how to get my money back.
Product: Debt collection

XXXX XXXX XXXX XXXX I have been contacted in XXXX by the company saying I owe the above amount. I requested debt verification information and was told I would receive it within 90 days. I never received it so when they contacted me again in XX/XX/XXXX I again requested the info and was told would receive within 90 days. After the 90 days i asked the debt be removed but was told i would receive the verification in 30 days. I asked if it could be removed from my credit report and was sent another payment email instead of a response. I feel I have wasted enough time requesting the verification info and waited long enough with the negative debt on my credit. I would like the debt removed.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Account being listed. Collecting for a medical bill that was to be paid for by the VA, in regards to ongoing XXXX treatments.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these hard inquiries are on my XXXX  report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull XXXX XXXX XXXX  XXXXXX/XX/2019 Hard inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) Carmax Auto FinancXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXXXXXX/XX/2019 Hard Inquiry ( never authorized )
Product: Credit reporting, credit repair services, or other personal consumer reports

At least 3 financial institutions are using a ( new? ) system that asks 3 multiple choice questions that aim to authenticate the caller 's identity. At least one area of my information in the system 's data is incorrect, since a correct response on my part fails authentication. The first institution J.P. Morgan Chase offered no fall-back authentication process, so my account was frozen for 48 hours until I was able to reach someone high enough. Moreover, they will not tell me the name of the system they are using, so I can not even go directly to the data company to get the error fixed or to see the data they are storing in case it is completely wrong. Please help -- I'm straightjacketed from doing my fund management. As a second instance XXXX XXXX ( XXXX MD ) required the same questions as did Chase as part of my creating a CD account. My truthful answers again caused me to fail the authentication so I was not able to create the CD. I will be contacting XXXX in the morning. Finally, a friend reports that the system is also used by XXXX investment. Fortunately, she had no problem, because she desperately needed her money immediately. Doesn't the Freedom of Information Act mandate that the data company has to show me the data they have stored for me, so I can correct any errors?
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry appears on my report however, I have not initiated any credit application or authorized any inquiry from those listed on my credit report.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and seen the negative items reflecting on my report for some reason and I dont think or believe it should even be up there because its false and its hurting me from doing what I need to do for my family and it need to be removed. I wrote up a dispute letter on XX/XX/2021 and sent it out certified so I can keep track of my letters because the credit bureaus are quick to say they didnt receive anything. Im also going to attach my the letter here with my proof of address and return receipts for when I sent out my letters. Please help me with this matter I would greatly appreciate it!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 at XXXX XXXX we received a call from WALMARTCARD. We do not have a Wallmart card and should not receive calls from any XXXX number as we are registered on the do not call list. Our caller ID indicate the number is XXXX The came in on our home number XXXX. 

Both our cell phone number are on do not call lists and we continue to get calls about paying off student loans and eliminating credit card debt. We have never had student loans or excessive credit card bills. Our number are XXXX and XXXX. 

Can you please have these unwanted calls stopped? It is unacceptable to get a call at XXXX XXXX!
Product: Mortgage

I have a mortgage that is interest only, I've requested a mortgage modification and faxed financials per my mortgage company request. The refuse to fix my interest rate and change my loan from and interest only loan. I have had a wage reduction and I don't want to loose my home
Product: Debt collection

I have a collection that 's been showing on my XXXX and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is Mountain State Adjustment, they also go by MS Services & XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.
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. 
I told the Experian, XXXX and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS : Account name : 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 suppose to modify accounts that isn't reporting correctly. 
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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a notice in the mail today ( XX/XX/XXXX ), about being denied credit for a car loan. On the back it states which companies they pulled my credit from one is XXXX and one is SageStream LLC. I have never heard of sagestream and their score is way low. There are only 3 credit bureaus and they are not one of them so why are they giving out information about credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report noticed an account collection by XXXX. I contacted the original creditor, Discover and requested documentation validating the balance which they were unable to provide. I have since then tried to dispute this directly with Discover to no avail. This is damaging to my credit and preventing me from future financing opportunities.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please put an extended fraud alert on my credit report
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed unauthorized accounts : ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX, ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX ( XXXX ) XXXX opened XX/XX/XXXX ( XXXX ) XXXX opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I called and spoke with a representative on XX/XX/year> and asked how long would it take for the account to reflect as paid on my credit report. The representative explained that it could take up to 90 days to reflect and that is not acceptable. I paid this account in full on XX/XX/year>. The representative did put in a request on my behalf to get a letter head stating the account was paid in full. However, the credit bureaus wont update the account until the company sends in the update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX these accounts were impacted by several data breaches that resulted in changing of my account history i demand full compliance according the FCRA.

I request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you credit reporting agency, block information appearing on my consumer credit report that is result of SEVERAL DATA BREACHES an fraud within XXXX business days of you receiving the accounts above.

1. Violation of 15 U.S.C. 1681e ( b ) : Under this provision, credit reporting agencies are required to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, the information reported in my credit file is clearly inaccurate and has not been verified as required by law. I demand an immediate investigation into this matter and the removal of the erroneous information.

2. Violation of 15 U.S.C. 1681i : This section mandates that, upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information. I have already notified you of this dispute, but the investigation conducted was neither thorough nor adequate. The results provided to me were unsatisfactory and do not reflect a genuine effort to verify the disputed information. 
In light of these violations, I am requesting the following actions be taken immediately : Prompt Removal, Remove the inaccurate information from my credit report to reflect accurate and truthful data. Confirmation of Action Taken : Provide written confirmation of the actions taken to address this dispute, including details of the investigation and any corrections made. 
Documentation : Send me a copy of the updated credit report reflecting the changes made as a result of this dispute. Failure to resolve this issue promptly will leave me with no choice but to escalate the matter through regulatory agencies or legal channels to ensure compliance with the FCRA and protect my rights. 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Consumer Financial Protection Bureau I am writing to complain about Non-Compliance for the following. Credit Bureaus ( XXXX, Transunion and XXXX ). I requested on XX/XX/2018 my Full Consumer Disclosure File, not my credit report. They have failed to comply with FCRA-Section 609 ( a ) ( 1 ) by not providing the date of First Delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX is the Original Creditor and Original Account # XXXX I am concerned that it has been re-aged by a junk debt buyer. So I am wanting to see my disclosure file ... .. I sent All Three Credit Bureaus the processing fee of {$12.00}. Transunion Cashed it, but only sent my credit report and not my disclosure file. XXXX and XXXX  sent my credit report only, so far they have not cashed the processing fee of {$12.00} or returned it to me. I have included attached cancelled check for processing fee, copy of letters to all 3 bureaus, copy of the XXXX XXXX Original bill showing account info. I would appreciate it if the CFPB engages all 3 Bureaus for Violating FCRA-Section 609 ( a ) ( 1 ) by not providing my Consumer Disclosure File. These reports I requested are crucial to me defending against another CA, that is violating Consumer Credit Reporting laws.

Kindest Regards