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

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

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 furnish a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting a complaints requesting the TransUnion Bureau to REMOVE the FRAUDULENT ACCOUNT on my credit file that damages my entire score, with complete attachments of my personal information and FTC Report. I am a victim of identity theft, and under section 605b of the FCRA, the TransUnion Bureau is obligated by law to remove any items which were found to be opened due to identity theft. The dispute account does not belong to me. Nevertheless, the requests I have sent out were consciously DENIED & NEGLECTED which I considered being unprofessional on the Bureau 's end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the fraudulent account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was completely taken aback by the inaccurate accounts that suddenly appeared. I usually keep an eye on my report, but this time, something was seriously wrong. Even after refreshing my browser to see if it was just a technical issue, the errors persisted. Im asking for a thorough review of the documents I submitted so I can stop worrying about this problem once and for all.
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX my home internet was bugged via phishing and was told to call XXXX this was all a scam. They gained access to my system and was told XXXX  XXXX was on my computer and that my name and identity is involved in money laundering and gambling organized crimes, to talk to the FTC XXXX XXXX the scammer. The so-called XXXX agent XXXX part of the network of scammers and transferred me to this so-called FTC agent on an alleged secured line. They managed to get access to my network, my social security number, DL and all my personal information. The two accounts that I had one with XXXX XXXX ( {$800.00} ) and the other with USAA ( {$2100.00} ) was wiped out total amount of {$2900.00}, in the form of gift cards and ATM withdrawals. XXXX XXXX refunded my money, but USAA is refusing and being contemptuous. This incident is documented it was reported to the FBI, the FTC, the social security administration, the local police ( XXXX XXXX MD ), and the various credit bureaus. Any help to get my money back will be greatly appreciated, it has been frustrating and very stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX mortgage accounts that are reported to the XXXX credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those XXXX accounts where paid in full and the accounts were closed on XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those XXXX accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the XXXX credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to Transunion, XXXX XXXX XXXX and to this day they keep responding  that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

bank America credit card account ending XXXX was accepted to a debt management program with XXXX on XX/XX/XXXX but they then reported it as a late payment past due in XXXX & XX/XX/XXXX thus affecting my credit score which dropped XXXX points from XXXX to XXXX. I HAVE PLACED A COPY OF THEIR LETTER PDF ON MY HOME XXXX & if requested can send it via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I provided information to credit bureau regarding fraudulent items being reported to my credit report and as the investigation process, items are being removed but later added back to my credit profiles. This process seems to be taking much longer with little insight into the results.
Product: Credit card or prepaid card

Discover has placed a hold on my credit card ending in XXXX for the second time and I send in documents and my bank statements and other important docs and now they have me resend them again and starting its all over again .. and I already done this on a pending application for a second discover card and the fraud dept refused to merge the documents over .. and now I have to wait more additional time for it comes back to XXXX and I dont trust XXXX with my information since Ive been a victim of fraud with them in the past I dont know if I want keep this credit card open since its a only a {$500.00} credit limit
Product: Vehicle loan or lease

MY HUSBAND AND I HAVE MADE PAYMENT ARRANGEMENTS WITH CREDIT ACCEPTANCE REGARDING OUR CAR LOAN ON XX/XX/XXXX. WE SPOKE WITH A SUPERVISOR AND EXPLAINED THAT DUE TO UNEXPECTED MEDICAL EXPENSES WE FELL BEHIND IN PAYMENTS. WE ARRANGED TO PAY {$470.00} ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. PAYMENTS FOR XX/XX/XXXX AND XX/XX/XXXX HAVE BEEN PAID. THE XX/XX/XXXX PAYMENT IS SCHEDULED. WE HAVE FOLLOWED THROUGH WITH OUR PROMISE TO PAY. WE ARE BOTH ON SOCIAL SECURITY XXXX AND PAYMENTS WERE SCHEDULED FOR THE DATES OF OUR CHECKS. WE HAVE CONTACTED CREDIT ACCEPTANCE AND SENT IN WRITING AND EMAIL TO CEASE AND DESIST FROM THEIR EXCESSIVE CALLING. IN 3 HOURS WE RECEIVED 11 CALLS. WE WERE TOLD THAT THERE ARE NO NOTES ON OUR ACCOUNT RE : PAYMENT ARRANGEMENTS. WE GAVE THE CUSTOMER SERVICE REP. THE CONFIRMATION # WE WERE GIVEN BY THE INITIAL SUPERVISOR WE MADE THE ARRANGEMENTS WITH. I FULLY UNDERSTAND THAT IF THE PAYMENTS WEREN'T MADE-THEY HAVE A RIGHT TO CALL US, BUT WE WERE TOLD THAT THE HARASSING CALLS WOULD STOP. THEY HAVEN'T. THEY CONTINUE TO CALL. PLEASE HELP.
Product: Checking or savings account

I have been banking with Chime for a year and out of the blue, without warning, they emailed me and told me they closed my account and were mailing a check to an address. The address was old and not the one that was in my chime profile. Now I have no way to access my check or funds because the check is being sent to the wrong address. I tried speaking with customer service and they wouldnt help- they told me I had to email XXXX. I emailed them and they wouldnt help resolve either. Now my entire checking and savings is gone and I have nothing left.
Product: Credit reporting, credit repair services, or other personal consumer reports

15.u.s.code 1681c-2 a consumer reporting agency shall block the the reporting off any any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you arein Violation of this law because I am a victim of identity theft!! Please delete the item immediately! The account should not be furnished on my consumer report as they are in valuation!! Under, 15 u.s Code 1681b- permissible purpose of consumer report ( a ) in GENERAL subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN consent to report anything on my consumer report which violate my rights as a federal protected consumer. No content is IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!! 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Incorrect Information Due to Violations of the FCRA and CFPA Dear, CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of negative accounts from my credit report. 

I have been a victim of your unfair practices and demand the immediate removal of these negative accounts. 

I have been directly affected by multiple violations of the law committed by your company, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to your negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm. 

As a result of your errors and failures in managing credit information, I demand the immediate removal of all negative accounts reported on my credit file. 

Violations Committed by Your Company 1. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted disputes regarding incorrect information on my report, but your company failed to conduct a fair investigation or correct the errors.

2. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Some negative accounts that were previously removed have reappeared on my report without justification or prior notification.

3. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C. 1681e ( b ) ) Your company is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged.

4. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice. 

Negative Accounts That Must Be Removed Below are the accounts that have been incorrectly reported and that I demand be immediately removed from my credit report : XXXXXXXX XXXX XXXX  ( Partial Account Number : XXXX .... ) account was deleted and they put it back on me I demand the deletion. 


I Demand Immediate Action Since the CFPB has already fined XXXX {$15.00} XXXX and has sued XXXX for these same practices, your company has already been found guilty of these violations. 

Therefore, I demand the following : 1. Immediately remove all negative accounts listed in this letter.

2. Provide me with an updated credit report reflecting these changes.

3. Cease any reinsertion of incorrect information in my credit history.

If you fail to comply with this request within the legal 30-day period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages. 

I have attached copies of supporting documents for my claim and look forward to your prompt response. 

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

I'm Writing this complaint against XXXX, Equifax, XXXX. I have recently sent all three credit bureau letters regarding incorrect / Invalid information on my credit report. First letter was sent on XX/XX/2021 and second letter was sent XX/XX/2021. Today is XX/XX/2021 and still have not recieved a response or had any of these items removed from my credit report, which is totally illegal. 
Please remove all of these items from my credit report immediately. This has caused me to be denied for a place to live with my children and has caused so much personal stress to me. I will attach all the letters I sent to the Credit Bureaus with My personal Information and the items that need to be removed and account numbers. 

Thank you for all your help in advance with this issue, XXXX XXXX.
Product: Debt collection

Over a year ago, I used XXXX XXXX to enable WiFi in my house. We moved a few months later. I contacted XXXX XXXX to request installation at my new address. We scheduled an appointment. They did not show up. We schedule appointments three more times and after a month of rescheduling, still they do not show up. Finally, they say service is not offered in my area. So, I told them to cancel my service. They confirmed cancellation. 

Few months later, I receive a bill from XXXX XXXX stating my account is past due. I call them and explain the situation. " Service is not offered in my area. So I can not use XXXX XXXX. Please Cancel '' They assure me the balance is {$0.00} and apologize for the mixup. 

Few more months, bill is now in collections. Once again, I call them and explain the situation. Collection agency tells me to speak with XXXX XXXX. I call XXXX and am given the same reassurance as last time. I spoke with : XXXX, Employee ID # XXXX, from XXXX XXXX Internet Billing and Order Department. Located in XXXX Florida. Was given confirmation that situation would be resolved. Considering, they do not service my area and I told them to cancel account MULTIPLE times. 

After filing multiple disputes with XXXX, nothing has changed and it is still on my credit report.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was a tenant living at XXXX XXXX XXXXXXXX which was a move in horror, but I was not so interested with the aesthetics and I remained in the unit they put me in. This had led me with regret because when I moved in, I put in several maintenance request for various unlivable conditions from the A/C unit not working in the winter and rattling, bathroom sink not functioning and etc. Nonetheless, I stayed in the unit and even renewed the lease with them. 

I always paid my rent on time and before the due date. 

When I moved out, I dropped of my keys and moved in with a family member for another 9 months in the same community, in which I provided XXXX XXXX XXXXXXXX XXXX a " forwarding address '' which is required when you drop off keys. 

Then I check my credit report and see " XXXX XXXX '' attempting to collect a debt with no information. when I called XXXX XXXX  XXXX XXXX XXXX brushed me off and said they no longer have any information, after I persisted to speak to management, I was advised they will call me back with more information, to which I saw to be a tactic to get me off the phone. 

Now after 2 years of working diligently to fix my credit report to buy a house, I now have this negligent reporting that is inaccurate. 

ALLEGED Balance {$330.00} Balance updated XX/XX/XXXX Account number ; XXXX Date opened ; XX/XX/XXXX Account type ; Collection Status ; Collection account. 
XXXX updated ; XX/XX/XXXX XXXX
Product: Debt collection

The is a scam. The company STATEWIDE LEGAL MEDIATION is claiming to represent XXXX XXXX XXXX ... The company has NEVER ( I called to verify ) had me as a client. This company in an effort to catch them I allowed a {$10.00} charge which I disputed from my bank had removed today. I also had my banking information changed as well. This company is very crafty.. They have your last four and birthday info like most of these companies. You just CAN NOT and should not give them any more info ... Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies have out dated or missing information, and do not reflect each other in positive info. No creditor, or lender can do a credit check and see all three reporting agencies, all they can see is Transunion, and XXXX, no ability to view XXXX, which is holding the highest scores. I have multiple inquiries on my reports from names that I have never heard of, or applied through for credit checks. 

I have made and continue to make disputes on these sites.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries on my credit report. According to the FCRA, any unverified and unauthorized inquiries must be removed. These inquiries were not authorized by me and lack permissible purpose or any other valid reason. Please investigate and remove these inquiries promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity theft my information was found on the dark web, XXXX data breach, and other places. Someone has purchased cars, tried to buy houses and apply for credit under my name. This is defaming my character, violating my privacy, and destroying my life. I demand this item be removed and blocked from any future reporting. There are also fraudulent inquiries on my credit report i never applied for. I demand immediate removal I'm trying to purchase a home for my child, and this is in my way as i reported this is not mine doesn't belong to me. 15 U.SC 1681 is right to privacy act which there are a lot of violations.
Product: Debt or credit management

I had a refund from XXXX XXXX from over the holidays, waited for it until I havent received it yet so called my creditor first progress to see what was going on. They said our refund process is different, it wont go back to the card we would have to mail it. I said okay, and called back a month later after still not receiving it. So I said if its not back to my account or to the address listed then Im closing my account out and filing a lawsuit. Someone called me saying theyre the XXXX, excuse the inconvenience well have it, Ill have it sent right out to you. I said thank you ended the line. Now were in XXXX I tried to use my card and it didnt work, they said my acc is blocked until I mail in copies of my bank statements, social security card and ID. That all of which should be sent to a XXXX XXXX . Im thinking a XXXX XXXX XXXX thats not even more fishy. So I called again today and was disrespected by that rep, asked to get transferred to a supervisor and she really couldnt tell me why it was blocked, just that they needed the information in question for them to unblock my account. Literally its every month I have to call them with something.