23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Apple card advertised I was eleigible for a credit card WITHOUT any hard inquiry to my credit and that my credit would not be effected and IT WAS. I want it removed
Product: Debt collection

The number they are calling is XXXX XXXX XXXX. This is a business phone, not a personal. XXXX
Product: Credit card or prepaid card

My wife is a XXXX XXXX, so she booked an XXXX XXXX, then they agency canceled the contract, so my wife never checked in to the room. 
Now the company does not want refund the funds, when they agreed not to charge our card until we checked in. Capital in not on our side with dispute. {$440.00}
Product: Debt collection

On XX/XX/XXXX I sent correspondence to PORTFOLIO RECOVERY ASSOCIATES '' PRA '', stating PRA violated REGULATION F, which started XX/XX/XXXX. Other Violations : -FDCPA XXXX by parking an alleged debt on my consumer reports. 
-15 USC 1981b2, I have NOT given PRA written permmission to report to my consumer report.

-18 USC 1028A, PRA engaged in AGGRAVATED IDENTITY THEFT PRA as of XX/XX/XXXX has NOT responded to any of the above violations and continue to report acct # XXXX to my consumer report. PRA is in violation of 12 CFR 1006.34C and 15 USC 1681. The Fair Debt Collections Practices Act and Fair Credit Reporting Act requires PRA respond within 30 days of receipt of my dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated my privacy by accessing my private data through the department of education.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Equifax, XXXX, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything. 

The following accounts are the ones being referenced for the above-stated issue. 

XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX Acct # : XXXX XXXX  XXXX. 
Acct # : XXXX XXXX  XXXX has also already sent me a letter ( Attached ) stating I am not responsible for the debt referenced above, yet neither XXXX nor Equifax want to comply with this information I've submitted ( along with the required identity verification documents ) NUMEROUS times. I do not understand why I am having to repeatedly battle an account I keep proving time and time again does not belong to me and is the direct result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an authorized user of a Sears account I was added last year. I spoke to a representative in their credit department in regards to the Sears account not being reported to all three of the national credit bureaus as promised several of times. However, I was told by the representative that it was reported to all of the bureaus. However its been over a year now and my XXXX  nor my XXXX report does not reflect. The information giving from Sears at this point had been very misleading and inaccurate and has affected my credit status with both XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I never received a XXXX form and its reporting it as a charge off in my report.. the charge off is being reported multiple time that a false information sincenyou only have charge it off XXXX. This is for td bank XXXX account XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft a few years ago and I still have issues with someone attempting to open accounts in my name leaving me with hard inquiries I've contacted TransUnion and XXXX and was informed a mother ago to send in documents to support my claim and I did I sent in Police Report along with the Ftc and my credentials that was over nighted and they still refused to remove the fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchased a experian membership. Experian has been reporting information on my credit report incorrectly. I have attempted several times to resolve the matter over the past 45 days and they have done nothing about it. There reporting on the credit score is incorrect and other accounts that they offer in their boost feature. I have attempted to communicate with the agents who hang the phone up on me several times. Experian is falsely advertising products that they are manipulating people 's credit scores to their own gain. There scoring is off by 30 to 40 points compared to the other agencies. This has been consistently happening over the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 



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

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note XXXX sending this complaint certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I filed Bankruptcy, it was dismissed and a few months after that, I noticed it was placed on my consumer reports. XXXX, Equifax and XXXX. I called each Consumer reporting agency and made them aware that I did not authorize them to furnish any information about me on my consumer report. XXXX removed the Bankruptcy while the other two did not. They told me it was verified. I asked verified through whom? They began to tell me that the court verified the Bankruptcy. I wrote a letter to the court asking them do they verify Bankruptcies and if so, whats is the process. The court wrote me back and said they do not verify Bankruptcies at all. Now, under 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy and 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. I did not at any time give the reporting agency my permission to furnish any information about me on my report.
Product: Debt collection

This company, AD ASTRA RECOVERY which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$400.00} with a credit reporting agency. The business can not provide verification of the debt and account. Considering this business does not have a contract with me for goods or services they have provided nor can they provide adequate proof I am not obligated to pay for the alleged debt. 
I would like the business remove the negative report against my SSN at any credit reporting agency, In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly, they agree to remove my personal information from all accounts in the companies database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact all three major credit bureaus, including XXXX, Experian, and XXXX, in order to address errors on my credit report and improve my credit score. Despite these efforts, I have not received a satisfactory response from the bureaus within the required 30-day timeframe, and this failure to respond has had a negative impact on my credit and financial situation. As a frustrated consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights are protected and that the credit bureaus are held accountable for their lack of response.
Product: Checking or savings account

As of XX/XX/XXXX I attempted to log into my mobile app through Chime Bank. It alerted me that the account was closed and to contact XXXX. Which I then called because was very concerned knowing I had well over $ XXXX in my account time of closing. It prompted me that " my account was closed and only can communicate via email '' I then sent an email to the support team numerous times. 

They then asked me to verify my identity, I then had to show proof of ID and Social Security Card. Which I provided ID, Social Security Card, Birth Certificate, and most recent W-2 from my current job. To potentially expedite and reopen my account. 

On XX/XX/XXXX at XXXX I received an email stating I have until XX/XX/XXXX to remove all funds from my account. Knowing banks close at XXXX I was not able to get to a bank so I transferred all funds to my other link bank account which is XXXX XXXX XXXX XXXX. The next day I called Chime and they assured me funds takes a few days to process into another account. I waited a total of 5 business days. Called from a landline ( since they blocked my number from accepting live representatives ) The representative XXXX explained that the account was closed on XX/XX/XXXX at XXXX XXXX and they were unable to successfully transfer the funds to XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received an email stating they made determination that they will not be issuing a check with remaining amount of funds that was in my account ( they have yet to disclose reason ). 

On XX/XX/XXXX I called Chime on another landline. The representative gave me confirmation that they would have to wait 10 business days from date that account was closed. He expressed give it 2 days and by XX/XX/XXXX I will be receiving my check with remaining balance on it. 

On XX/XX/XXXX I called yet again on another landline spoke with a representative briefly and automatically sent me straight to a supervisor. The supervisor then said they have not sent the check out. I explained I need answers since I have not had access to my money since XX/XX/XXXX. He expressed he " submitted an escalated ticket and I should be hearing something within the next few days ''. 

I've had a lot of patience and I'm at my end, I need help to get my funds back.
Product: Credit reporting or other personal consumer reports

I looked upon my credit report and discovered these accounts that need to be deleted ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my rights as a consumer Ive filed complaints several times I have even filed a identity the report Equifax has unauthorized inquiries on my credit report that does not belong to me and they need to be removed immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As a XXXX XXXX XXXX XXXX and identity fraud, I've written several letters to the credit bureau explaining my situation and have sent proper proof of my victimhood. The bureau continues to ignore my case without investigation. The information is false, inaccurate and needs to be removed from my credit file.
Product: Debt collection

I wrote this company and sent a letter certified to ask for validation of debt. I havent heard back from this company at all.
Product: Debt collection

I don't owe this debt. The previous collection agency that bought my debt closed the account and removed it from my credit report. Then this agency showed up on my credit and is reporting the debt as new debt.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized fraudulet inquiry on my TransUnion credit report from XXXX XXXX XXXX XXXX. The XXXX is listed as : " XXXX XXXX XXXX XX/XX/2022 ''
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$41000.00} XXXX XXXX XXXX Balance : {$42000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My partner and I, are not married. My partner and I attempted to obtain a loan together. This was in XX/XX/2023. The loan application was not approved. It was advised my credit was the issue. My partner obtained a loan on his own. 
However, my partner and I wanted both of us on the loan. My partner went to the establishment on XX/XX/XXXX to discuss future loan prospects. Stating to the finance/compliance officer that we discussed financing options and wanted us both to be on the loan. Not necessarily to obtain a loan through the establishment. I was not present at this meeting. The finance/compliance officer then pulled my transunion credit report, showing my partner my credit report and discussing specic items, i.e. My student loans, and my credit score. This was done without my permission. Yes, I had applied for a loan, however I was denied. Thus ending any need for this establishment to have access to my credit report. As I stated, I was denied. My partner and I had discussed obtaining a loan together but had not signed any additional or new applications.
Product: Credit reporting

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$790.00} Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1000.00} Docket # : XXXX Plaintiff : XXXX Balance : {$2700.00} : I even contacted the court house and they said they do n't verify information with the credit bureaus. Therefore, I do n't think a proper investigation was ever done with I disputed these account. XXXX and XXXX already deleted them but it seems that Equifax is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete hard inquires from both credit bureaus. This is my second compliant. 

XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX  XXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance {$770.00} XXXX XXXX XXXXXXXX Balance {$590.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report recently and found a bankruptcy and am requesting you reinvestigation. LexisNexis, XXXX XXXX and XXXX all say they information was verified. i contacted the clerk of court and they told me that they don't verified any personal information XXXX XXXX XXXX Docket # XXXX Docket # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b. Innacuries of data and dates of payments starting XXXX XXXX XXXX XXXX XXXX multiple months show " No data for this period '' and are not accurate across all 3 credit reporting agencies ( Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b XXXX : In violation of 15 USC 1681, 15 USC 1666b XXXX XXXX CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b XXXX XXXX XXXX  CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b. By law, one must furnish a 1099C for illegal charge-off accounts requested XX/XX/XXXX and never supplied the 1099C 's.

Everything reported here does not meet the FCRA. Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.
Product: Debt collection

the account CMRE for XXXX is unknown to me, also the the account medical revenue systems is clear violation of XXXX HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.