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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 the Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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

In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # 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
Product: Credit card or prepaid card

I was scammed out of {$590.00} by Barclay 's Card Services and their Merchant partner XXXX. Barclay 's provided a payment platform that allowed XXXX to received credit card payments from consumers such as myself without ever delivering a activated software download. I ordered a XXXX  XXXX   software from XXXX but they never activated the software for my use or benefit. Then XXXX refused to refund my purchase and took refuge behind their merchant agreement with Barclay 's Card Services. Barclay 's claimed that they competently investigated my dispute but they did not. All of their investigator were based outside of the USA and couldn't speak good English and therefore, didn't even understand the nature of the problem. I sent Barclay 's copies of screenshots and emails from their merchant partner showing that the software was never activated by XXXX and that I never received a working product as advertised and described on their website. I requested on numbersous occasions to speak with USA based Barclays employees but got the Run Around and never spoke to anyone in the USA. I have told Barclay 's Card representatives that I will pay my balance down to the {$590.00} but I refuse to victimized their scammer partner and their sham Consumer/Member Protection Policy.
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/XXXX, I requested Equifax look into removing a XXXX XXXX credit card account from my credit report. I used to be an authorized user, but requested that the primary account holder remove me in XXXX of this year, and they complied. As of the present complaint, two reporting agencies have removed this information for myself, and all three agencies have removed it for my husband, who shares the same finances and situation. I have made two requests to get this information removed, each time pursued through different dispute means ( different categories of dispute ). In both cases, they have maintained that the account has been verified as accurate, despite the account being removed by other credit reporting bureaus for both myself and my partner, i.e. five out of six scenarios. Currently, Equifax is the only bureau who will not remove this account that is negatively impacting my credit score by about XXXX points ( when compared with the effect of removing it in the other situations ), and that includes my husband for whom Equifax did remove the account as he asked to be taken off the same account at the same time.
Product: Credit reporting or other personal consumer reports

I applied for a credit card this past week from XXXX XXXX bank and I received a notification that there was an account that was not satisfactorily I never have had an account with XXXX XXXX this account was opened fraudulently its not showing on my credit report so I had no way of knowing about it XXXX XXXX opened this account with it my knowledge I need this cleared up as I have never had an account with XXXX XXXXXXXX I am a victim of identity theft and I have had numerous fraudulent accounts opened in my name with fraudulent documents but I did not know about this one as it does not appear on my credit report please help me get this resolved I called XXXX XXXX and they tell me there is a XXXX checking account and a secured credit card that were both opened in my name and they are unable to provide information and they are unable to remove the fraudulent account because they sold it to portfolio recovery collection agency they proceed to tell me to dispute with them I have tried my best the people at portfolio recovery are very rude they even told me I sounded like a female and said they needed to speak to XXXX XXXXXXXX XXXX XXXX XXXX and they told me that the account was previously disputed and that the outcome would not change I need XXXX  XXXX to deal with this these are not my accounts they need to fix this problem
Product: Debt collection

Received XXXX debt collection statements in the US mail for services without dates or any other information. The amounts did not match anything I received services for with my healthcare providers. The healthcare system did have an identity breach within the past few months. I contacted my healthcare system and they do not send anything to debt collection or show anything on my account as due and owing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account removed but there still have the late payment on there..the law states.. 15 U.S.C 1666b A creditor May not treat a payment on a credit card account on a open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I did not give permission to this company to have this report. 
You have no legal authority or permissible purpose to place any account in my consumer reports pursuant to 15USC 6802. 

XXXX Department of Education loan servicing Account XXXX Tracking XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX company, sued me in NY XXXX XXXX for debt I have no idea about, I requested company debt validation latter to provide, which I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report and found a new collection account listed. Jeff Cap Sys hasn't contacted me via email nor mail to inform of this new account which is a violation of the fdcpa law. Also, they are reporting a monthly obligation of XXXX on a collection account with a balance of XXXX which I have never spoken with this company to agree to any type of monthly obligation. I've requested Jeff Cap Sys to validate this file showing I owe the amount they're reporting to my credit every month but I haven't received a response. I don't owe this debt and this company is intentionally breaking the law by reporting a monthly obligation for a collection account. I'm needing assistance with holding this collection agency accountable for breaking several consumer reporting laws. You can not report a collection as an open account with a monthly obligation and you guys won't validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who this company is. I never payed them anything or did any form of business with them
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there are XXXX late payments with XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 card

I am writing to formally demand the immediate removal of an inaccurately reported charge-off from my consumer credit report, which you have furnished to the credit reporting agencies. This erroneous information has severely damaged my personal and financial reputation, adversely affecting my ability to secure credit for personal and housing purposes. 
Violation of Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as a furnisher of information, you are legally obligated to provide accurate information to consumer reporting agencies. It is unlawful to report information that you know or have reasonable cause to believe is inaccurate. The continued reporting of this charge-off, despite its inaccuracy, constitutes a clear violation of federal law.

Misrepresentation of Debt as Income : According to the Internal Revenue Service ( IRS ), canceled or forgiven debt is considered taxable income and should be reported as such on tax returns. This is typically documented through XXXX XXXX Income, however, is not to be reported on consumer credit reports. By inaccurately reporting this canceled debt as a charge-off on my credit report, you are misrepresenting income as outstanding debt, which is both misleading and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, and XXXX at Equifax on XX/XX/XXXX about the unauthorized account and inquires that appears on my credit report I request the following account to be blocked, delete and removed off my Equifax credit report account : " XXXX  XXXX  '' Open Date XX/XX/XXXX Amount {$380.00} Account XXXX, Inquiries " XXXX  Date XX/XX/XXXX '', and " XXXX XXXX-XXXX  Date XX/XX/XXXX " .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be blocked and removed immediately from my Equifax credit report due to my identity been stolen.
Product: Money transfers

Ebay has placed hold on my PayPal account and is preventing me from accessing my money from a sale I 've made. Upon speaking with a manager he said that ebay will never release my money
Product: Credit reporting or other personal consumer reports

Non-compliance reporting / incorrect information. I will be seeking litigation
Product: Debt collection

Continues to call even though Ive asked for proof of my debt which they keep telling me they will send but they do not. They even contacted my family and go as far as to ask them personal information about me. The calls are stressing me out and if I block it they call from a different number. Ive already tried to handle this but they will not send me anything in the mail to confirm they just want payment over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed my late payments as well as sent out letters asking for goodwill help on removing these lates as they are dramatically hurting me financially and emotionally. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXXXXXX 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 : States a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may to treat a payment on a credit card account under an open ed consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via USPS to them. XXXX is willfully and recklessly reporting false information. The most recent attempt was received by XXXX in XX/XX/XXXX and they did not respond at all. I have also contacted XXXX and Equifax multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX  XXXX XXXX XXXX  and XXXX report late payment in XXXX. Equifax reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
*XXXX  XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX  has removed this account, Equifax reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights in the amount of {$1700.00}. 

15 U.S.C 1681 section 602 A ; Stated I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also stated a consumer reporting agency can not furnish a account without my written instruction.
Product: Vehicle loan or lease

At the end of my loan ( XX/XX/XXXX ) I made my final payment and thought everything was done and over with. Then I see on my credit report 4 months later that my account wasnt listed as paid in full but listed as a charge off for {$40.00}. Resulting in my credit score tanking by 115 points. I called Westlake financial XX/XX/XXXX to find out what was going on and they said that they texted me in XX/XX/XXXX that there was a balance due. And that its my fault the account was charged off because I ignored the text message. My auto loan was for {$10000.00} and I paid 24 % interest for 4 years never missing a payment, and always on time. And now there is nothing I can do about my account being listed as a charge off for {$40.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Product: Debt collection

XXXX XXXX a loan was taken with XXXX.then went to XXXX In XXXX the loan was transferred to XXXX. In XXXX I lost my husband who was a veteran that is when I noticed my payments had not been applied. A XXXX XXXX rep stated that payable on death benefits had been applied insurance for the home no debt was owed. Then 6 months later XXXX came in play with new account numbers and new loan. I have never had a account with XXXX or ever gave consent to contract with them. XX/XX/XXXX caliber came in to play stated they foreclosed on my home. I have never had a contract with Caliber or XXXX. XXXX of XXXX XXXX XXXX enter my home changed the locks and put my items to the curb. i checked the county records and states now that XXXX XXXX XXXX   XXXX XXXX is the owner of my home I have had for 12 years. I would like to the the note, contract and Power of attorney gave them the right to do this to myself and my children. They put us on the streets, I was never compensated of any of the hard work and labor we put in to our homestead. A declaration of homestead was filed in the county also also asking for XXXX I also alerted the sheriff. All these entities have harmed and hurt my daughters and I. XXXX XXXX reality have my home up for sale. They were caught 2 years ago lying and stated XXXX foreclosed and I provided proof from XXXX admitting they never foreclosed. Was this not turned into investment why was I never compensated? Caliber sent a 1099 A to the IRS that I had income of this home of XXXX. How was this income they took my home and though me to the street and XXXX daughters. What is happening in America today is unjust and stealing homes some thing needs to be done.
Product: Debt collection

This matter is arising out of a dispute with Financial Credit Network.  They are attempting to collect an unverified debt from XXXX XXXX allegedly originating in 2017. Despite my request I have yet to receive sufficient documentation to validate the debt, nor have i received a breakdown of the interest and fees. Of note, the Statute of Limitation in the State of Arizona is three years. This beg the questions, if this agency even is pursuing this debt legally. Furthermore, the representative was rude and dismissive. They have destroyed my credit and continue to report this " MEDICAL '' debt to the three credit  bureaus, despite my strong denial of ownership of this debt. I would like my credit report updated and this erroneous error rectified, immediately if not sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never borrowed or done any business with XXXX XXXX XXXX. They have reported a collection account which is revolving amount {$700.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This person was a roommate stole all my information open up all these accounts without my knowledge. All the accounts below are fraud and the person i listed in the police report stole my identity PLEASE REMOVE THESE FROM MY FILE PER THE FAIR CREDIT REPORTING ACT THE SUSPECT WHO STOLE MY IDENTITY IS XXXX XXXX WHO IS CURRENTLY IN XXXX XXXX XXXX SYSTEM I HAVE MADE A POLICE REPORT AS WELL XXXX XXXX XXXX ACCOUNT XXXX AMOUNT {$11000.00} XXXX XXXX XXXX ACCOUNT XXXX AMOUNT {$5000.00} XXXX XXXX ACCOUNT XXXX AMOUNT {$4300.00} XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX ACCOUNT XXXX AMOUNT {$510.00} ON XXXX XXXX XXXX XXXX XXXX ) ACCOUNT XXXX AMOUNT {$65.00}
Product: Credit card

XX/XX/2021 precisely, I got alert from American Express credit card that I made purchased of American Express gift card of about {$34000.00}. Immediately, I called American Express to cancel the transaction that I wasn't the one making that transaction of huge amount. Thereafter, they credited part of the money and balanced {$14000.00}. I have called them several time to credit the balanced, but they are adamant to do so. The said amount is hurting my credit. Please, I want this amount credited to my card and remove from my credit report. 
I am looking forward to hearing from you soonest. 

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

I've contacted XXXXXXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX and Transunion refuse to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do XXXX and Transunion 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. Please see attached file to this complaint for your review. 

Equifax : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX