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

My name is XXXX XXXX and I have a File Number with Finkelstein, Kern, Steinberg & Cunningham, P.C. The court appointed amount to be paid each month by money order is {$25.00} per month. This company has tried to raise this minimum amount to {$65.00} per month. In my opinion, this company has to ask the Court to raise that amount. I almost had my Car repossessed and have to have basic utilities and Auto Insurance. I have tried to sell my home six times and it was not successful. I have had to change my cell number which is prepaid and is not always in use because of cost I am keeping a file on the amount of times he calls me and what is said. I had to pay my property taxes which were behind so my property would not be seized and sold for property taxes. I have lost my home phone service also. This has been stressful. I will not give him my Bank Account Number at all. He gets a money order for the {$25.00} each month or nothing. I will go back to court with notes and report his abuse. I only have social security to live on. I have had XXXX and XXXX problems with some jobs because of standing on my feet. Some employers do not give you a break regularly. I had to report an employer to the Department of Labor to get 8 hours pay after two months. I worked in Debt Collection and I know they are governed by laws also.
Product: Credit reporting or other personal consumer reports

I have Disputed this Account about removing XXXX XXXX XXXX due to : 1. Violation of Privacy Act : XXXX XXXX XXXX. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to XXXX, EQUIFAX or XXXX nor any other 3rd party companies to share my information publicly. 

I asked them to remove it on these dates below : XXXX Disputes : Date Generated XX/XX/XXXXXXXX XXXX XXXX  XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 

Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Equifax Disputes XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX Dispute : Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process
Product: Debt collection

A man named XXXX called me from XXXX to tell me there is a possible claim being filed against me. He gave me a phone number and claim number and attempted to verify my home address by asking me was I home. I explained that I did not know anything about a company named Continental at XXXX. He told me he would call me back in 30 minutes after I spoke with them, but to consider myself served. He called me back and told me that since I had not contacted them and did not take this seriously he would come to my place of business.He asked me again was I at home. The phone number is coming from a XXXX XXXX in XXXX, Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them.
On XX/XX/XXXX, I obtained my credit file and noticed that Experian had accounts listed on it that were inaccurate. On XX/XX/XXXX, I sent, via USPS Certified Return Receipt, a dispute letter which also asked for the Method of Verification that they used for the accounts that were inaccurate and the files that they had which they used to verify these accounts. Experian received my dispute letter on XX/XX/XXXX, according to the USPS which I have proof of. Experian sent a letter back to me stating that they verified that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I sent another letter on XX/XX/XXXX, via USPS Certified Return Receipt, asking Experian how they verified that these accounts were mine and that they were accurate. Experian received this letter on XX/XX/XXXX which I have proof of. Experian once again sent me a letter stating that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I am distressed that Experian continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The accounts I am referring to are : XXXX XXXX XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>
XXXX XXXX XXXXXXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.
Product: Credit reporting or other personal consumer reports

I was a victim of unauthorized inquiry reporting and this is another request to eliminate the items from my credit file resulting from unauthorized inquiry reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any items no later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous complaint & I am including it again. Additionally, the information you provided on these items are UNKNOWN to me and DELETED from other bureaus, which leads me to question their accuracy : XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX. This communication serves as your last warning. If you do not expunge the listed items from my report, I will initiate legal action. I have briefed my attorney on my intentions, and they are ready to hold you accountable for any willful noncompliance. Please expunge the items resulting from an unauthorized inquiry reporting. Thank you for your prompt attention to this serious issue.
Product: Credit card or prepaid card

Citi 's deceptive business practices when responding to customer inquires to close existing accounts resulted in me paying extra in fees and a negative impact to my credit report. I called on XX/XX/2020 to cancel my Citi Prestige card that had an annual fee of {$490.00} annual fee. The sales representative suggested, rather than cancel my card, I switch over to a no fee card. He explained if I switched over, the {$490.00} annual fee would be removed and there would be no impact to my credit report. I agreed to convert my card. After he told me the process was complete, he reassured me I do not have to worry about the {$490.00} payment and I would receive a new card in the mail shortly. 

I received a call from Citi on XX/XX/XXXX asking for a {$490.00} payment. The rep informed me that if I did not pay, they would furnish negative information to the credit bureau about regarding the aforementioned delinquency. I explained the XX/XX/XXXX call. They told me the they had record of it but I still needed to make the full payment today and they would attempt to reimburse me at a later date. 

The XX/XX/XXXX sales rep deceptively caused me to keep my account with Citi open. I am now without {$490.00} plus a negative report on my credit bureau as a result of citi 's deceptive sales practices.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are so many inaccurate negative accounts and inquiries that need to be removed
Product: Checking or savings account

The relevant disputed transactions are below. I checked my Wells Fargo account multiple times a day over the XXXX XXXX weekend to see if check XXXX in the amount of {$1800.00} had been deposited. As of the morning of XX/XX/XXXX, there was no indication that the bank had received the check. 

On XX/XX/XXXX, I arranged for a wire transfer of funds to my account which arrived same day, at approximately XXXX XXXX My account at that point had well over {$3000.00} in funds available, and no mention of check XXXX. 

Later the same day XX/XX/XXXX, AFTER the {$3000.00} in funds had arrived in my account, I received a NSF notice from Wells Fargo that they had declined check XXXX four days previously on XX/XX/XXXX. You can clearly see the order that the transactions occurred on the statement, that I was charged a NSF fee after the funds had already arrived. 

I find it unconscionable that I can check my Wells Fargo account, have plenty of money available, and then have Wells backdate transactions to get NSF fees. I also think it's ridiculous that Wells charges a {$15.00} wire transfer incoming fee. I suppose somewhere in the fine print it is mentioned, but if I receive incoming funds from  XXXX, there is no charge. There is no reason for this fee other than a XXXX cash grab. 

Because the check was declined, it ended up costing me over {$200.00} in other fees to my landlord, but I am not requesting that back. 

I am requesting only to be reimbursed for the {$35.00} NSF fee and wire incoming fee of {$15.00}. I will commit to never using wire incoming again. I do feel that I did everything right, checking the online portal multiple times daily to make sure I kept a positive balance. How am I supposed to avoid fees if I am not given timely information? The Wells Fargo customer service representative  suggested I keep a checkbook, but it's not XXXX any more, back before there was an online electronic portal. 

Please reimburse me {$50.00}. Thank you. 


Expand XX/XX/XXXX WIRE TRANS SVC CHARGE - SEQUENCE : XXXX SRF # XXXX TRN # XXXX RFB # {$15.00} Expand XX/XX/XXXX WT FED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SRF XXXX XXXX TRN # XXXX RFB # {$3000.00} Expand XX/XX/XXXX NSF RETURN ITEM FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$1800.00} CHECK # XXXX {$35.00}
Product: Credit reporting or other personal consumer reports

My personal information, including my Social Security number, date of birth, and financial account details, was compromised in the breach, leading to the unauthorized opening of accounts and the accumulation of fraudulent debt in my name. 

The following fraudulent activities have occurred : Unauthorized credit card accounts have been opened under my name with XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Money transfer, virtual currency, or money service

I open Coinbase in XXXX deposited money to XXXX XXXX XXXX XXXX since XXXX I only deposited it to those accounts beginning in XXXX around the XXXX XXXX there was suspicious activity on my account I was blocked from my emails they changed my passwords and added their banking accounts plus a bank card was added to Coinbase my investments that accrued from XXXX or the beginning of to the beginning of XXXX were stolen and that was serious amount of activity out of my account. I only withdrew {$30.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX to get what I could out of my account before that was stolen. Also, the scammers tried to move money from my bank account to Coinbase and then tried to pull the money from Coinbase but my bank blocked it. I sent emails to Coinbase called them numerous times, but of course Im communicating with a robot when I did get a human they gave me a case number XXXX and they were going to look into it and investigate it but the money kept getting withdrawn from my account. I would say that more than XXXX has been moved from my Coin Base even though I continually contacted them they they couldve stopped this in XXXX but they didnt
Product: Credit reporting or other personal consumer reports

My information was in a data breach and I have inquiries on my credit report due to the data breach. Please remove the inquiries in my credit that were not done by me. My credit report has dropped almost XXXX points due to this issue. I have been trying to resolve this issue since last year when I received the letter of the data breach.
Product: Consumer Loan

AUTO MONEY TITLE LOAN, used unlawful behavior to take my property. By contacting family and friends and invasion of privacy. 
After informing them of trying to reorganize my finances in order to repay them and retrial my title back. We have done business with them before and have always paid our accounts off.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, has violated my rights 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 furmish a account without my written instructions
Product: Vehicle loan or lease

Car was taken after XX/XX/2019 after paying monthly note and only having the car for 3 months, reached out to the company to find out where the car was taken to so i can recover vehicle or belongings i was giving the run around. After i was giving the information made an appointment for 24 hours later with the recovery place to recovery my personal belongings that i had in the car i get there they can not find the vehicle or my belongings. just to find out a couple days later that the car has been sold. it wasnt even 7 days before the car was sold. i wasnt even given time to recover the vehicle
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$370.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$340.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I had spent several weeks trying to access my report online. Several times I requested a hard copy of my report to be sent to my home. It is much easier for me than online. The online access was resolved but I have still not received the hard copy. Also, they are dragging their feet correcting misinformation on the report. IE : a {$21000.00} + charge off that is actually part of my XXXX XXXX XXXX. It should not be marked as a charge off but as part of the XXXX XXXX I sent them the court order for the XXXX XXXX  on or about XX/XX/24. They need to fix the error and send a hard copy of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Ive been so upset since I discovered my tenant stole my information, he made photocopies of my drivers license and social security card. I gave the police all his information and hope he is brought to Justice. In the meantime, Im suffering here! 


On XX/XX/XXXX I sent Capital one a letter with supportive documents letting them know I was a victim of ID theft. 

When I discovered my previous tenant had made photocopies of all my personal info I immediately reported this to the police. 

I filed a complaint with FTC, police and sent Capital One a completely filed out ID THEFT AFFIDAVIT. 

I HAVE FOLLOWED ALL THE ADVICE. I go step by step ensuring I do the best I can as I attempt to navigate name clearing process but I have come to a standstill with a VERY TROUBLESOME I have provided Capital One with a copy of : 1. Police report 2. FTC report 3. Signed Affidavit explaining my position AS A VICTIM OF ID THEFT 4. A COPY OF MY DRIVERS LICENSE 5 Two utility bills Then I checked XXXX XXXX XXXX and found out Capital one put a judgement lien on my house I dont know what to do than sue them for the money itll cost to remove it. 

Capital one used Gutter service, also known as sewer service, or when a process server claims to have served a particular person, like myself, when indeed he didnt. 

The result is that the person being sued finds out too late that they were due in court. 

I was never served, I had no idea I need to appear in court and a default judgment was filed. Then a judgement lien was put on my house. 

I first attempted to contact the process service company, however, it was no possible since they stated that person no longer worked there. 
I received a letter from Capital One on XX/XX/XXXX that was so superficial and insensitive that I know I have to sue. 


And on XX/XX/XXXX I mailed Capital One a LETTER OF INTENT TO FILE A LAWSUIT. 

Im suing for the cost to remove the lien they falsely put on my home.
Product: Credit reporting

I have contacted several companies about unauthorized use of my credit report. I also, contacted Equifax and I was told by the Supervisor that Equifax does not dispute Inquiries and that there is nothing that they can do. All of these inquiries are hard inquiries that will stay on my credit for next two years. Enclosed is a copy of my Equifax entries of inquiries from my credit report with the acronym showing the length of time it will remain on my credit. I am having enough problems as it is trying to get my credit straight. I need help trying to get these inquiries off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the the comepelete bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXX BANKRUPTCY violation of consumer reporting I want item removed from my credit profile
Product: Debt collection

Recieved a letter from XXXX XXXX with ARA Inc. Stating that i owe a debt for a bank account with XXXX XXXX Bank which ive never held an account with.
Product: Debt collection

I have explained to this company I am a victim on identity fraud and they refuse to remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to respond to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the CAPITAL ONE AUTO FINAN XXXX ] within the time set forth by law.
Product: Debt collection

I asked for the debt to be validated and the merchant refused. They informed me to check my email or call the merchant. I never entered into a contract with XXXX XXXX XXXX and I need my contract furnished before I proceed with payments. 


If theyre able to confirm the debt Im willing to pay what ever the initial loan amount was. 

I have been threatened with having my wages garnished 25 % and / or having to pay double or triple the current amount.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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, credit repair services, or other personal consumer reports

In 2018 I had an account with Exeter finance and then totaled the car that I had with them my insurance paid most of it but the XXXX XXXX  paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4
Product: Debt collection

I have been receiving notifications stating I owe a balance that was covered by XXXX and the gap insurance provided by the dealership. However I am being contacted non stop and experiencing a decrease in my credit despite the balance being resolved. I purchased the car in XXXX and before US Auto Sales closed down for good I was informed my balance was resolved. Please help, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report, I noticed several outdated and inaccurate items : The following below are inaccurate. I never live at the addresses. Please complete removed from my credit file XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please investigate these inaccurate items and remove them immediately and forward an update copy of credit report.