23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I reached out to Portfolio Recovery Associates and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX on Thursday XX/XX/2023 around XXXX pm spoke with representative XXXX, regarding my concern credit report. XXXX stated that the reports whatever the information is given to them by the agency. I expressed that I have not received any documentation validating theses accounts on my credit profile. For these accounts to reporting on my credit profile are unethical, unlawful and illegal. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX - MUST BE DELETED XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX -MUST BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX MUST BE DELETED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX MUST BE DELETED Equifax decision is IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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

Experian is reporting an unauthorized inquired dated XX/XX/2023 from XXXX  XXXX XXXX. I did not consent nor authorize this inquiry. I contacted Experian to no avail and I also contacted XXXX  XXXX XXXX directly with no help either. I filed an identity theft report which I will enclose with this complaint. This inquiry shall be removed immediately or Experian will be in willful violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently
Product: Credit card

I had a phishing email using a bogus XXXX transaction. XXXX was notified and they told me to contact my credit card company Wells Fargo to report. The rep was totally rude, inexperienced and refused to help me. He threatened me and I asked for his name and he hung up. He then deactivated my account including checking, savings and credit card. He also changed my preferences to mail whereas I could not monitor my accounts for fraudulent transactions. He did this arbitrary action without permission and was a retribution to my calling him an XXXX. Ok to hang up but not ok to deactivate my account preventing me to access my money and my accounts. After 15 years I canceled all my Wells Fargo accounts. Please investigate and stop a vindictive employee from causing harm to another customer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company on XXXX XXXX 2017 to inquire about this on my credit report. I was sent a response on XXXX XXXX, 2017 saying they needed more information to proceed with the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXXXXXX, XXXX ; XXXX  XXXX ; XXXX  15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of my disputes section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been well over XXXX days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the XXXX data breach and May have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

Re-doing this. 2nd try. Citizens One. formerly RBS. I have had a credit card account with them for years. I charge items every month and pay the full balance every month. Thus I avoid interest charges. 
Recently they changed their website causing confusion as follows. 
I get an email saying my statement is ready. I log on and get a message that no payment is due at this time. 
Today I logged on and was surprised by my balance and began to drill down into the individual charges and discovered an approximately {$41.00} interest charge for XX/XX/2020. 

Previously their e-mail notification and log-on took you to what you charged, what you owe and when it was due. 
I called them today and was told by a rep that the " you owe nothing at this time '' message is because at some point you have made a minimum payment and that you have to continue and look at your charges to determine what your owe, or to that effect. 

I attempted to resolve this issue by telephone which involved an UNBELIEVABLE hold time, ( even with Covid ), asked for a supervisor, and was transferred to another person after a long time who could not resolve, and identified as the same rank as the person I dealt with initially.. Cit1 has  no e-mail or chat for resolving problems that I can see to preclude endless hold times. 
I can't be the only person who is getting hoodwinked by their website message '' no due at this time '
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I called Equifax to follow up on an existing dispute to have a bankruptcy removed from my credit file. This may be my 2nd/3rd complaint to expediate the process. Upon awaiting results of this outcome to apply for funding ; so that, I do not receive a high interest from my application. As well as contacting XXXX about this situation. XXXX buys information from databases, and executes without a individual 's consent. Our court systems do not report this type of information to credit reporting bureaus. This was processed without my consent ; in which, it should not have placed on my credit report. As quick as it took to make it effective - I expect the same result in removing the information. Specialists are informing me over the phone that it remains on the file for 10 years. No, that is for someone who is not familiar with the laws involving FCRA, FTC, US Codes, and more. Now we have entered in violating my privacy right ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  account # XXXX and XXXX XXXX  ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX XXXX  # XXXX AND 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
Product: Debt collection

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to I believe all three Credit Bureaus, XXXX, XXXX, and XXXX. The account they are reporting on my credit reports and trying to collect a debt form a XXXX XXXX XXXX  for an amount of {$340.00}.
Product: Money transfer, virtual currency, or money service

I made a transfer in XX/XX/XXXX, the amount of {$950.00}. On Cash App I accidently traded that amount and I immediately took action to have the transaction voided/and or refunded, after several hours of being on the phone within a few days time after giving me a reference number ( in which, I don't have now ), I was eventually hung up on to never resolve the issue.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccuracies on Credit Report Dear Equifax and CFPB, I am writing to formally dispute several inaccuracies on my credit report that have significant consequences for my financial health and overall well-being. Under 15 U.S.C. 1681e ( b ), I am entitled to accurate and complete information in my credit report, and I believe that the information provided to you has not been verified accurately. Additionally, 15 U.S.C. 1681i mandates that you conduct a reasonable investigation of my disputes, which has not been adhered to in my case. 

I have identified numerous discrepancies on my credit report, including unverified, outdated, and misleading information regarding the following accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : XXXX XXXX - Reported as a transferred loss by the XXXX XXXX - XXXX Owed : {$0.00} - Last Verified : XX/XX/year> - Other inaccuracies regarding payment status, derogatory remarks, and payment history. 

These entries are not only inaccurate, but they also severely impact my credit score, currently reflected as XXXX, which is detrimental to my ability to secure loans or credit. The stress of managing these discrepancies has taken a toll on my life, affecting my financial stability, opportunities for housing, and overall peace of mind. 

I have reached out to Equifax multiple times regarding these issues, and each time, I am informed that the accounts are still being verified, which is unacceptable. The lack of resolution and continued inaccuracies is damaging my credit health. I urge you to take immediate action to rectify these errors. 

I have attached copies of my credit report, highlighting the disputed items for your convenience. I request that you conduct a thorough investigation and provide written confirmation of the outcomes of your inquiries. Additionally, I expect these inaccuracies to be corrected or removed from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of these discrepancies. 

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

NewRez mortgage provided XXXX  inaccurate information regarding my XXXX and XXXX payments which in turn dramatically dropped my credit score and rating category. The initial reason for the dispute was because NewRez provided me with the incorrect information for my XXXX payment and refused to take accountability for it..which is normal for them according to reviews on the XXXX. I feel that they are vindicating me for having the audacity to pursue my case because I feel that they never fully investigated the initial incident by pulling the call and taking accountability. Therefore, I opened a dispute with XXXX  and they misrepresented my XXXX and XXXX payments, which resulted in another credit hit after I worked hard to build back my credit after the XXXX incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSWORLD SYSTEMS INC has violated my consumer rights and has caused great harm to my reputation, my character, and my mode of living which has caused XXXX XXXX  and XXXX  damage. Here are the federal laws they have broken. 
15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
15 U.S. Code 6801 ( b ) ( 1 ) to insure the security and confidentiality of customer records and information 15 U.S. Code 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
15 U.S. Code 6802 ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
See Attachment for full details.
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. 
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 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Please include 1. Copy of original application 2. My original e-signature of application 3. Full payment history from original creditor.

4. Original purchase agreement showing you can legally collect the alleged debt.

Thank you for your time and help with this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XX/XX/year> {$2800.00} THE XXXX XXXX XXXX XX/XX/year> {$310.00}
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHRORIZED INQUIRIES : 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 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
Product: Debt collection

I have no idea who they are!! They call me every day sometimes 2x a day!!
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. 
Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX  Account name : # XXXX XXXX Account name : # 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