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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  NJ XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person know
s or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 demand for instant deletion is against the information furnished by Original creditor : LEGENDS AT LEGACY. It is a false debt, and Identity theft and should not be on my consumer report for serveral reasons. 

XXXX. This is not/and never was a consumer credit transaction. 
XXXX. Legends At Legacy was an aprartment complex owned by my former employer XXXX XXXX XXXX, who I worked as a maintance employee for and had a special apartment rental agreement with were I live for free and have to claim my rent as discount which is standard in our industry. 
XXXX. XXXX XXXX XXXX XXXX at Legacy to another company durring my employment and I moved when the new company aquired It. 
XXXX. The amount displayed XXXX actually my rental credit I had to claim on my XXXX taxes as my income for my XXXX XXXX.. 

XXXX XXXX added this Item to my XXXX XXXX Report Friday XX/XX/year> after having to delete it from both XXXX and XXXX earlier XXXX the day for the same reasons. They can not provided the contract that created this false debt because there isn't XXXX, They can not provide information about how this was a credit/or rental transaction because it wasn't and my employee addemun is my lease aggreement and clear states all employees must accept housing benefits as XXXX and claim it as income on their taxes. These people found parts of my information somewhere and have created a whole narrative about a situation that they know nothing about, should never be invovled, and are completely wrong about. I've sent them all of my information showing that I was not a regular tenant, and my ledger as well as my XXXX, and c forms, asking them to cease and desist and stop sharing my information because my employee agreement clearly states neither party will share any information. They have refused and are misrepresenting me and creating a version of me that doesn't exist to cause me harm and extortment me into paying them a debt that is actually my income. I'm including attaching my Identity theft report to this complaint. It is once again, XXXX XXXX/ aka Collectech. Same address, same principal officers. Thank you.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! 


i would like to file a complaint om XXXX XXXX, XXXX XXXX, XXXX  and experian because theese companies are reporting inaccurate information to my credit report. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from XXXX XXXX stating the car loan was paid in full and that I overpaid the account and they were refunding me. 

In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a XXXX XXXX representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. 

I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.
Product: Debt collection

The CBE group is showing a total of 26 accounts showing on my credit report and there are a total of 9 that are showing {$50.00} and they appear to be duplicates and they continue to create new accounts with the same balance and submit each of them monthly which is hitting my credit score and costing my hundreds of dollars in extra premiums and interest. There are 6 others that appear to be duplicates as well that they are doing the same thing to my account. The company has contacted me and I asked them to send me information on the debt that is owed and that I was not aware of the debts that they were trying to collect on. I have never received anything from them in regards to these accounts. I was called from this horrible company and they were rude on the phone telling me that I owed this debt and this will be pursued by a garnishment or possible legal action, which is a violation of the fair debt collection act. I asked them to stop calling me and they proceeded to continue to call me, and my husband while he is at work, when he asked them who it was they told him that they were collecting a debt for me without any verification that this was my husband or not. He asked them to stop calling him and they called him a least 3 times a day for the next week until he threatened to get an attorney for harassment. They then called my parents and my in laws and told them that I was in trouble and they needed to get a hold me as soon as they could, and asked if there was another number they can call me on, they said no and asked them to stop calling them as well, which was not followed at all. This company has continued call when asked not too, given information about what they are calling for without verification or permission, and has threatened legal action such as a garnishment against me. I want this to stop. I don't want to hear from the CBE group again and I want them to pull the collections from my credit reports for falsely reporting something that they have never proven that I owed.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Attached is ftc reports police report etc. These inquires are not authorized by me.
Product: Debt collection

1. notified and disputed this item with XXXX XXXX XXXX XXXX and XXXX via certified letter on XX/XX/2021 stating that this information reported by Transfinancial was not valid and requested immediate removal from my credit reports. 

2. notified Transfinancial , Inc via certified mail dated XXXX/XXXX/201 demanding validation of debt and permanent and quick removal from XXXX XXXX XXXX XXXX and XXXX credit reports
Product: Checking or savings account

Capital One Bank wants to hold my funds deposited from an insurance check -- not a personal check -- for 5 business days and will not release them since it is a savings account. They won't even review it until after 24 business hours which is already 72 hours in real time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and trans union is incorrectly reporting items to my report and they are not responding to my disputes I need these items removed from credit report
Product: Debt collection

FICTITIOUS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE ATTACH : A POLICE REPORT AND FTC REPORT INCLUDING A AFFIDAVIT OF NOTICE OF FRAUDULENT ACCOUNTS I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on your website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. I require all fraudulent data, accounts or information listed below completely blocked and deleted upon forwarding of the identity theft report and this affidavit of truth to any alleged creditor. All creditors must be aware that if they were eyewitnesses to their allegations, then they must know who stole my identity and possibly conspired with the individual to steal my identity and attempt to hold me to fraudulent/unenforceable contracts which an entity can not be an eyewitness to unless using deceptive practices in and affecting commerce. In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud.
Product: Debt collection

Received several phone calls from a group called XXXX requesting a call back to discuss a case that was submitted for a civil matter I have no idea what this is in regards to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$670.00}
Product: Money transfers

My wife ( XXXX XXXX ) and I were having e-mail communication with our lawyer XXXX XXXX, ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. # XXXX, XXXX , NY XXXX. XXXX ) ). At that time we were discussing bringing to him a check for deposit into an escrow account in order to secure a house purchase contract. Seamlessly and immediately after the deposit instructions, we got an e-mail allegedly from XXXX XXXX asking us to wire the money instead to -- Bank : XXXX XXXX XXXX XXXX Address : XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXX Beneficiary : XXXX XXXX XXXX Co Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX Account no : XXXX. 

Since we had been having smooth e-mail communication with our lawyer for days throughout this real estate transaction we felt comfortable complying with that request. Fortunately, fifteen minutes later, my wife saw our lawyer, XXXX XXXX, ( who she works for part time. ) He said that the request did n't come from him!!. Learning this, she went back to the bank ( Citibank, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX ) as soon as she could to cancel the wire transfer. All this occurred within a half hour.
Product: Credit reporting or other personal consumer reports

I appreciate the effort you've invested in addressing some of the entries in my file stemming from an alleged incident of identity theft. However, there remain accounts and inquiries that require removal. Pursuant to FCRA Section 605, you are obligated to expunge any items documented in an Identity Theft Report. I have previously highlighted this issue in both my report and letter, and I am reiterating it here along with my new FTC report bearing reference number XXXX. I have informed my legal representative of my intentions, and they are prepared to take appropriate action should you fail to comply willfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be advised that you have four business days to remove any entries in my credit file resulting from an alleged incident of identity theft. I do not consent to E-OSCAR or any automated verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for 6 months with XXXX XXXX, XXXX, Equifax and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed some inaccuracies reporting on one of my accounts. This account is reporting derogatory as a charge off, and as a collection. It's only reporting on one credit bureau Equifax. This information is inaccurate. This information is severely hurting my credit score. I need this account removed from my credit report. According to 15 U.S. Code 1601 and 15 U.S. Code 1692c, this account has violated my consumer rights. 

Account Name : XXXX Account XXXX : XXXX
Product: Payday loan, title loan, or personal loan

We purchased a Solar System from XXXX XXXX XXXX XXXX and financed through loanpal/goodleap we had issues from day one. The system never performed as it was sold to us by the company. We had techs coming out every other month to fix issues with it. We were trying to get them to come out and fix the most recent issue when we found out that they closed their doors and left us out to dry with a system that does not work and has never performed as it was supposed to. We have a 25 year loan on a system that does not work and has never worked as we were told it would.
Product: Credit reporting, credit repair services, or other personal consumer reports

A violation of parole was listed on my criminal report for an original case dated back over 8 years ago - the case is not of its own it is tied to the original so reporting it was outside of the California 7 year reporting limit law
Product: Vehicle loan or lease

I have been calling since XX/XX/2023 to get status of my title. VW has since XXXX blamed a change in vendor as to why I have still not received my title. I call every week and make sure its documented and every single time they have said its been ordered, everything according to their records has been completed and ready to send me my title since XXXX. I paid for expedited shipping service and to date I still have to title and everyone says its been ordered. I cant sell my vehicle for 4 months now because of this. I paid for this vehicle and am having to pay insurance and everything elses because I cant sell because VW is withholding my title and blaming another company for not sending it.
Product: Debt collection

COLLECTOR KEEPS CALLING ME ON MY CELL ( XXXX ) XXXX OR ( XXXX ) XXXX SKIP TRACING FOR MY MOTHER XXXX XXXX FOR A DEBT. CLIENT TRF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It started by Experian reporting inaccurate information on my business report .you have to verify your business and when I go to verify it gives my maiden name XXXX XXXX and list my business address as XXXX XXXX XXXX in XXXX XXXX when my business is in XXXX Va XXXX XXXX XXXX XXXX DBA ) XXXX XXXX XXXX home improvement cleaning services @ XXXX XXXX XXXX XXXX Virginia XXXX. Also I run a XXXX XXXX XXXX at this location name XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX the main issue is that they know they are reporting inaccurate information and want to charge you {$180.00} to update and correct your business information. I have a personal account with Experian and everything is correct but they will not correct this issue.
Product: Credit card

I purchased several feet of flooring from my local Lowe 's Store, XXXX. XXXX, TX XXXX. I needed a total of XXXX sq. feet ; my local store only had XXXX sq. ft. The remaining XXXX sq. feet was going to be sent to my store within a week. I waited the week and went back to the store only to be told that XXXX of it was sold by the other store and my local store would be ordering more flooring. The XXXX sq. feet was never picked up by me. 
I noticed right away that the flooring numbers on the box were slightly different. I went back and spoke to XXXX at the time who assured me the flooring was the same color/same dialogue. A sales associate by the name of XXXX was nearby and heard the conversation. XXXX assured me several times that it was the same shade. After a few weeks I had the floor installed, around XXXX sq. ft. The shades do not match. I currently have XXXX different shades in XXXX room.