23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I changed my phone number and I didnt realize the number I had on my account with Upgrade XXXX for my two steps verification was the number I just changed. I called Upgrade customer support and the lady I spoke with took the number from and and told me the company would be sending me email to send my drivers license back and front. I received the email and I made copies of my DL as requested and sent. The company acknowledged receipt and said again I have to send a copy of my statement. I told them I dont access to my online account and there was no way to print the statement. 
I took pictures of my email statements notification and a copy of my credit card with my face showing on it and that was not enough for them. 
I had to write to the CEO at XXXXXXXX XXXX XXXX and XXXX complaining to him how his team are treating me like a criminal and refusing me access to my online account despite collecting my ID and multiple investigations and probing of me over the phone and since the XXXX of XXXX I sent the email to the CEO no response from him. This shows how he and his team treats minorities. I have been a loyal customer of this company for about 7years and never missed a payment for one day. If this company can treat me like a criminal like this what happens to millions of poor minorities that use this company.

I want access to my account and I want all the bad customer services and treating folks like me as a criminal to stop.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have processed the correct paperwork according to the FCRA and the credit agencies are not attaching the paperwork to the disputes and removing the accounts per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, it is crucial that consumer reporting agencies uphold fairness, impartiality, and respect for the consumer 's privacy. XXXX, Transition and XXXX are three such agencies, but as the consumer, I have the right to ensure that my private information is not shared. This right is supported by legislation that emphasizes financial institutions ' obligation to protect their customers ' nonpublic personal information.

As a financial institution, the furnisher of information to credit agencies is obliged to respect my privacy and can not divulge any nonpublic personal information without my written consent. XXXX, XXXX, and Transunion, the furnisher of information to credit agencies do not have my consent to share my information, and any prior consent is now revoked. 

Furthermore, according to the legislation, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise their nondisclosure option. The furnisher of information to credit agencies did not inform me of my right to refuse disclosure. 

The consumer reporting agencies, XXXX, Transunion and XXXX, are also violating the law by reporting adverse information without consent, as well as inaccurate information. They should have reasonable procedures in place to prevent such violations and limit the purposeful sharing of consumer reports. 

Therefore, in compliance with 12 CFR 1016.7, I am opting out of their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was   XXXX   problem and not mine caused my inquires to be deleted and they later added then back on without sending out  a five  day written notice prior to them adding them back on. I then proceeded to call them to let them know of the error and that it was illegal to add them back on with out notifying me. Those inquires added hardship and my rights were violated by  XXXX . I 'm asking that you guys step in and put an end to  XXXX  so that they can stop victimizing me as well as others. As a resolution is ask that all my  XXXX  inquires that I did not authorize be deleted permanently as a violation that they did n't not notify me of and illegally added back.  <P/>  XXXX   XX/XX/XXXX      XXXX   XXXX    XX/XX/XXXX     XXXX   XX/XX/XXXX     XXXX   XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX has attempted for 7 years to get this debt paid. I owed this to Captial One credit and was opened in XXXX not XXXX and i cant get this cleared. i have made continuous complaints and still not taken off my credit. This is unlawful to attempt a debt that has exceeded its time limit to put on my credit report. Also fictitiously reported that it was opened in XXXX and was not.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LHMDODGERA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS LHMCHRYSLE Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

In XX/XX/XXXX I received correspondence from XXXX debt collection regarding a claim of debt from XXXX XXXX XXXX XXXX XXXX originating XX/XX/XXXX and involving a XXXX XXXX in an apartment in XXXX, KY. I disputed this by writing as I do not own or rent property in XXXX nor have I ever had XXXX XXXX. I elicited the help of local attorney XXXX XXXX and the problem seemed to be resolved. In XX/XX/XXXX, I received a bill from another debt collector, XXXX system which I again disputed. Since then I have received on average 5 calls per week from Portfolio Recovery another debt collector and they have attached a debt on my XXXX Credit report which I have also disputed. Portfolio Recovery has not sent anything by mail but the few messages they leave on my cellphone want me to go to their website Praway.com and put in my telephone # and social security #, which I will not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute against Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like Experian, XXXX & XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that Experian, XXXX XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore Experian, XXXX XXXX XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of Experian, XXXX XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of Experian, XXXX XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate Experian, XXXX XXXX XXXX for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease/delete all unlawful furnishing of data onto my credit report of which I mentioned above without my written consent Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
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. 



The following hard inquiries are 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 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 pulled up my free annual report through Transunion, began the process of disputing items on my report, and found out they only let you submit one report of a dispute or multiple disputes at a time ( although I am not sure if the platform supports more than one at a time ). I submitted one and thought I would then go back to my report to dispute the rest, one by one. Big mistake. They blocked me from seeing my report any longer and from filing anymore disputes until the first was resolved. The supervisor on the phone assures me that I am the only customer who ever filed the dispute before saving the credit report to a pdf or printing it. Consequently, " for my security '' they won't let me look at my credit report anymore or file anymore disputes without cancelling the first or waiting two more weeks now for it to be resolved. Do you know how long it took the other bureaus to correct my disputed items? 24 hours. Please please please save the middle class and stop these bureaus from making a business out of creating misery for us. All of Transunion 's representatives were outsourced. That means this illegitimate business doesn't even provide jobs for Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership to try and apply for a car and was denied due to the unauthorized inquiry on my report I was unaware of that i listed below. 

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

I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( TransUnion ) XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). On XXXX the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. XXXX is also reporting a date of last payment of XX/XX/XXXX which is not reporting to XXXX or TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset about things I still see on my credit report that does not belong to me I have disputed these items and they have came back verified and I requested that they send me the information that they used to verify these items and it has been over 60 days and I still have not received the information I requested.
Product: Credit reporting or other personal consumer reports

I found an delightful result in my XXXX credit report when I found that the inquiries I requested the credit bureau to removed were no longer showing in my file. And now the ONLY issues I need to fix are in my XXXX and Equifax credit reports. And I kindy ask the CFPB to look after the continuation of inquiry removal as if the XXXX have removed all the fraudulent inquiries in my credit report how come the XXXX and Equifax can not. Please see the list of inquiries eagerly want to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management ( MCM ) has called me multiple times this week without leaving a voicemail. They do not provide any information or leave messages/ Voicemails. This behavior feels excessive and is disruptive. I am unsure why they are calling, and this repeated contact without proper communication seems to be an attempt to pressure me into answering. 

I am concerned that these repeated calls without voicemails may violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment. I am requesting that MCM cease unnecessary phone calls and provide written communication if necessary. Additionally, I would like the CFPB to investigate whether MCM 's calling practices are compliant with federal regulations.
Product: Credit reporting or other personal consumer reports

I am a victim of debt bondage, a form of human trafficking where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of human trafficking. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from trafficking experiences when an official claim is submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my credit report today on XX/XX/XXXX and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA XXXX placed a fraud alert on my credit report without my consent.
Product: Credit card or prepaid card

I previously submitted CFPB complaint XXXX-XXXX  and XXXX-XXXX to which XXXX with the executive resolution dept was assigned. For the initial complaint, she failed to contact me to even discuss the dispute. I only later found out by one of her colleagues that she had attempted a single phone call but neglected to leave a voicemail for me alerting me to her call. XXXX then proceeded to close out the initial dispute without ever having spoken with me. As a result, her response had many false and misleading statements with many serious omissions. XXXX 's response also failed to address all the concerns raised. In order to answer the flawed and false response by XXXX for Capital One, I filed the second complaint XXXX-XXXX. I called her number and unable to reach her left her voicemails on XX/XX/XXXX, XX/XX/XXXX, 3 times on XX/XX/XXXX, XX/XX/XXXX and twice on XX/XX/XXXX. In my attempts to reach her on XX/XX/XXXX after leaving XXXX a voicemail, I called to speak with the executive resolution dept where I spoke with XXXX who stated XXXX was unavailable but would call me back before the EOB and at the latest by XX/XX/XXXX. XXXX and I finally spoke on XX/XX/XXXX where she stated she was unsure why the previous agent didn't do any research and closed the case prior to speaking with me. She would research all the provided documents and get back to me. She kept trying to make excuses as to the reason XXXX refused to accept my return. She didn't seem to understand it didn't matter why the merchant refused to accept the return. The fact was the merchant refused the return in violation of their return agreement provided at the point of sale. By doing so the merchant violated the terms of sale and was also guilty of misrepresentation. Either account is a valid chargeback. 
I find the need to once again bring up federal statues and reference the summary of XXXX v. XXXX XXXX, XXXX, XXXX. Stating that pursuant to 1666 ( c ), the cardholder " need not pay the amount in dispute until the card issuer has complied with 1666, '' and that pursuant to 1666 ( d ), the card issuer " may not restrict or close an account due to a [ cardholder 's ] failure to pay a disputed amount until the [ card issuer ] has sent the written explanation required by [ 1666 ( a ) ] '' I have reasserted my dispute multiple times, and even asserted my dispute under the claims and defenses argument which allows up to a year to assert my dispute. 
Despite this single charge being the only remaining balance on the card Capital One has continued attempts to collect and negatively report this disputed debt without informing the CRA 's the account is in dispute.
Product: Credit reporting or other personal consumer reports

Please provide the method of verification for the disputed account listed on my credit report with these XXXX XXXX accounts listed, Account Numbers in question are : [ XXXX, XXXX and XXXX ]. I want these ( XXXX ) negative accounts Deleted from my Credit Report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide detailed documentation showing the steps taken to verify the accuracy of this account. XXXX v. XXXX XXXX, '' No. XXXX ( XXXX Cir. XXXX ) reinforced that credit reporting agencies must conduct meaningful investigations into disputes and provide clear verification processes to consumers. 

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX. Never ensured that each periodic statement including the information required by section 1637 ( b ) of this title was mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date, this information was requested in good faith pursuant to rule 1002 and was never provided by XXXX XXXX XXXX XXXXXXXX. 

This is an infringement upon me as a consumer and my rights to privacy. This account is unfair to me, illegal, fraudulent, and is not equitable to me as a consumer and this negative account is harming my mental anguish. Delete this negative account and any late payments from my credit report. Thank You
Product: Debt collection

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you  signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Product: Credit reporting

hi i have XXXX accounts that need to be removed on my transunion report i have the marked with a x they are from XXXX XXXX XXXX they should be removed due to they are closed accounts and i do not have anything to do with them i have asked the transunion to remove them and they have refused to do so, so i am putting in this complante to have the remove this from my report transunion report number XXXX thank you
Product: Credit reporting or other personal consumer reports

When I receive a credit report from Equifax they have it that my credit score is XXXX below what I can see on the apps. My credit score hasn't been updated and I can't use my credit because of what Equifax is reporting to people.