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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$4600.00} XXXX  XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$290.00} XXXX XXXXXXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00} XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX - BALANCE {$160.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX - BALANCE {$10000.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$590.00} XXXX Date Opened XX/XX/XXXX - BALANCE {$590.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX PROF FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Debt collection

Account Number : XXXX ( XXXX XXXX XXXX BANK {$440.00} ) Account Number : XXXX ( XXXX XXXX BANK XXXX XXXX. {$460.00} ) Account Number : XXXX ( XXXX BANK {$1800.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA. 

I have been more than fair and more than patient regarding this matter. This is my last attempt for you to make right regarding this collection that you wrongfully placed on my credit report. I have started the draft of my complaint to the CFPB with complaints for not notifying me of the collection you placed on my credit report, giving me the right to dispute this debt, not responding to my request ( FDCPA Section 809. Validation of debts 15 USC 1692g ), as well as the list of damages this has caused me personally and financially.
Product: Debt collection

Someone stole my identity and opened many accounts wihtout my permission or authority. Please check 100 percent accurate, true correct. Please remove all of it ASAP!!!!!
Product: Credit card

I purchased a debit card loaded with {$150.00} from www.netspend.com. the card said ai had to call a number to activate it. After XXXX tries the recording said there was a problem activating it. I spoke with XXXX woman from whom I was disconnected. Another man connected me to a supervisor who told me the card was limited to instore transaction which I did not want and he could n't fix it, claiming it was irreversable. I was trying to get information and he hung up on me.
Product: Credit reporting or other personal consumer reports

Unrecognized inquiries appear on my credit report.
Product: Student loan

I was mislead by recruiters at XXXX XXXX. about the education I was going to recieve and the money I would make. I had instructors ( not professors ) who told all students to drop out and not continue and that the school was a scam. I did n't realize no one would hire me or take my degree from XXXX XXXX seriously. I was charged alot of money for no education. I did not realize so much money was being stolen from me. The recruiter was a tricky salesman who I believe charged me far more than typical because he knew I was just desperate to go to school and find a good job. I never found that job. Now the school is out of business and I never got to finish. I have all of these charges on my credit report destroying my credit and any possible future I might have because of one horrible decision I made : trusting XXXX XXXX
Product: Credit card

I have a problem with XXXX. I did the document early. I dont know if it went through or not.
Product: Debt collection

This company Sequium Asset Solutions has taken excessive extreme actions to put major derogatory actions on my XXXX  credit report for at least a year now. This has happened at least every week to every 2 weeks that they put the major derogatory actions on my report. This has caused major damage to my XXXX  credit score. Someone has to put a cease and desist order to this company immediately to stop them. I have XXXX  this company and this seems to be a thing that this company does on a regular basis to so many people. Its crushing my credit. Please stop this please! Enough is enough.
Product: Debt collection

I got service back in XXXX. Haven't heard anything or received anything through mail or email. I started receiving phone calls recently from a 3rd party that stated it about a dedt fron XXXX XXXX. I XXXX XXXX XXXX and the Lady stated that I do have abalnce with them but they don't send out notifications. How do I'm going to know that I have a balance. How can I take care the bill if I wasn't notify? But they send it to a 3rd party without notification not taking in consideration that this action will ruin the customer credit? I beeb a patient since XXXX. She said I'm sorry, I can submit a complaint but I will not be able to provide with a bill. Are you serious? Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violatons : remove not mine XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX, TX XXXX POST OFFICE BOX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX - LIVES XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX, TX XXXX POST OFFICE BOX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are both showing information on my credit report that either 1 ) DO NOT BELONG TO ME or 2 ) DO NOT BELONG TO ME!! 

I have never gotten a pay day loan and they have one on here with NO date of when it was opened or any information and also a school loan that was taken out or opened in 1996 which I was NOT in school at that time and the information is 25 YEARS OLD!! 

Remove it now or I will report Experian and XXXX to the Ombudsman and the OIG!
Product: Debt collection

I was called by a man identifying himself as a process server named XXXX XXXX. He informed me that he was hired to notify me about a lien against my house and to call XXXX XXXX XXXX. He provided their number and a case number. He then said this is an official notification that I have been served. 

I called a lawyer and informed them of the incident and was advised to call the number and to inquire if it they are suing me, and to get the details of the supposed debt. His office was unable to find a case number in any nearby county that matched the case number provided. The lawyer also informed me that you can not serve someone over the phone.

I called the number and was informed of a debt where the details of the supposed debt do not match a historical debt that is too old to collect and sue on. I asked several questions to inquire about the claim and the supposed lawsuit. I was asked many times about a letter that I never received. When I asked if they needed a response from me, why didn't they send the letter certified mail or serve me with papers in person, I was told someone would be at my door within the hour. This is the next day, and no one has shown up. I was given the name of XXXX XXXX as the lawyer in charge of my case, but when asked about a BAR number or any identifying information about the lawyer, I was told it will all be on the paperwork served to me and was promptly hung up on. 

I'd been given non-legal advice to wait to be served in person or on my front door, before contacting this company any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed multiple complaints and disputes regarding my credit report has account fraudulently opened without my knowledge. I have provided my police report regarding identity theft and victim of mail forwarding. But they did not give proper investigation and my credit report still have negative impact from account which was fraudulently opened without my knowledge. So very frustrating and helpless with no resolution in sight. Sigh.
Product: Debt collection

I tried to pay this debt multiple times and had no response and then the debt was sold and distributed to multiple collections agencies at once. I have multiple agencies or companies contacting me about the same debt. Two separate agencies owned the debt in the same month on dates XX/XX/2022 and XX/XX/2022 and will not work with my hired lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.
Product: Credit card or prepaid card

XXXX has illegally frozen ALL of my accounts as RETALIATION because I previously filed a complaint ( they illegally obtained the number of my elderly mother and told her she had to pay my debt or she would go to jail! ) I responded by calling XXXX and explaining to them that I am XXXX years old and Ipay my own debts. I respectfully requested that ALL employees of XXXX only contact me at the phone numbers I provided. I also demanded that they refrain from looking up the names and numbers of my relatives and threatening them by demanding they are obligated to pay my debt. I is notable that I have lived in my home and had the same number for over 20 years so XXXX would have NO problem finding and contacting me! XXXX is using illegal tactics to collect debts including but not limited to targeting and threatening the elderly. In short, there is NO legal basis for XXXX to freeze ALL of my accounts much less demand the ability to collect my debt from my family as a condition for providing me with credit. XXXX is also lying by stating that I denied them permission to contact me. I have always openly provided my own phone numbers and address as points of contact. However, I did demand that XXXX refrain from illegally contacting my parents, relatives, friends and employer to demand payment of my debt. The illegal actions of XXXX collection agents must be stopped! In addition, XXXX should be audited and fined for intentionally retaliating against me ( and probably others ) by freezing credit on existing installment payments when all I did was report their illegal and predatory collection activities. The fact that XXXX keeps getting away with this outrageous, intentional and illegal behavior is not just ridiculous .. it is obscene!
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report formally. I received my on XX/XX/year> and discovered several inaccuracies reporting to my credit file. This is my SECOND time bringing awareness to your company that my credit file inaccuracies are affecting my mode of living causing massive stress. I Sent a dispute in XXXX of 2024. If I continue to get ignored by your company, I have no choice but to take legal action with my counsel XXXX XXXX XXXX XXXX. I would like to get this dispute rectified swiftly. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that Equifax has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 
2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 
3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. 
As per these allegations, I am concerned that the inaccuracies on my consumer report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 
XXXX XXXX Receipt Tracking : # XXXX
Product: Credit reporting or other personal consumer reports

This is my formal complaint to TRANSUNION. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$14000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX show me late on credit report was not late it on XXXX XXXX XXXX the late need be remove thank you
Product: Debt collection

NCB MANAGEMENT SERVICES is in clear violation of the law for contacting a third party or credit reporting agency with my nonpublic personal information. I received a copy of my consumer report and noticed an inaccurate account they reported with a balance of {$1800.00} along with 21 LATE TRANSACTIONS to both my XXXX and XXXX credit reports on ( XX/XX/XXXX ). NCB MANAGEMENT SERVICES will not provide any documentation that I am legally responsible for this alleged debt they reported to the consumer reporting agencies. According to 15USC 1666 ( b ) creditors can not report a LATE TRANSACTION unless they mailed a notice received by the consumer containing information from 15USC 1637 ( B ), 21 days before the late transaction was reported. Please provide the original statements NCB MANAGEMENT sent 21 days before each LATE TRANSACTION was reported to the agencies. Furthermore, this section of the law 15USC 1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT clearly states how TRANSACTIONS or EXPERIENCES from a consumer to any person or creditor are excluded from my report, which means this data is not supposed to be reported. NCB MANAGEMENT reported 21 late transactions which damaged my credit and livelihood due to their illegal actions taken. NCB MANAGEMENT SERVICES must remove this account from my consumer report, as of ( XX/XX/XXXX ) instead of removing it, they took it from collections and closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XX/XX/XXXX and paid on it until XX/XX/XXXX I bought it for {$12000.00} I owed {$900.00} on the car. The bank wanted me to just pay it off I got out of the XXXX  it got totaled I had full coverage XXXX  They would not cover it because it was hit and run under Tennessee law they do not have to cover it.

The bank is reporting that I owe 90 % of the sale like I never paid them and closed the account please get a full detail of when I started paying and how long I paid on the account they won't show This because they are wrong please delete this off my credit report this reporting in accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that's fraudulent. I want these inquiries removed from my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 5 times in my report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND FOUND THESE XXXX ACCOUNT
Product: Credit card

See prior claim against XXXX because we thought that's what the Attorney General 's office meant. Instead it was to be submitted against Bank of America. Complaint # XXXX. We have spent hours on this fraudulent XXXX XXXX XXXX 

We didn't challenge the XXXX XXXX {$19.00} in XXXX respectively because we knew there were tolls and expect about XXXX  XXXX. We fought the damage because there was no damage to the car and they would not provide proof so we finally won per se with Bank of America. We fought the {$86.00} which showed up the week following the dispute on the {$710.00}. We asked for proof on the {$86.00} because we ran the tolls for the route we did and it is about {$7.00} so what is the {$29.00} and {$86.00} for. We are sick of Bank of America continuing to let charges come through and hit our card. They are permitting even after the original card was cancelled. 

XXXX is sending through fraudulent charges and Bank of America keeps permitting this. We have provided detail of our requests to XXXX, an email that says we will not be charged, our print out of the tolls that we most likely would have hit {$7.00}. We need help resolving this. 

See attached proof we have a working XXXX dispute with BOA for the tolls charges, our attempts to communicate sixt and resolve via BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several accidents that need to be removed because i was not at fault
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 or other personal consumer reports

15 U.S.C 1681 section 602 A. state have the rights to privacy.

account : OFFICE OF ATTORNEY/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction.

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 items of information other then records of conviction of crimes which antedates the reports more then 7 years.

15 U.S.C 1681s-2 ( a ) ( 5 ) 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 card or prepaid card

I have wells Fargo XXXX XXXX XXXX card ending in XXXX. 
It has cell phone loss and repair protection plans. I am using this card to make payments for my monthly wireless bills. During XX/XX/2019 - I lost my XXXX XXXX phone. 
I reported this incident to this credit card company - some loss prevention program etc ... 
Till now i haven't got money for the cell phone that i lost even after doing all the paper work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  HAS BEEN WORKING ON MY PROBLEM FOR MORE THAN 2 YEARS NOW, AND NOT GOTTEN ANY BETTER SINCE. IMY SCORE WAS OVER 620, WHEN I CHECK WITH XXXX XXXX A MONTH AND A HALF AGO AND IT WAS WELL OVER 620, AS OF TODAY IT, S XXXX. WHAT IS GOING ON. I NEED FOR SOMEONE TO FIX THIS NIGHTMERE.