23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one. Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 

Account NameXXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX Balance {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

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

Upon reviewing my Consumer Reports, I discovered late payments on an accounts for which I have always maintained timely payments and never late. XXXX depressed and suicidal after dealing with inaccurate information on my credit reports I continue disputing these items for years and you fail to correct the late payments that you are reporting. Transunion continue to report these inaccurate late payments which caused me to get denied for a business loan that is essential for my business and my family.This is defamation of my character and detrimental to my health and XXXX. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( XXXX ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 

XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX FCU Account Number : XXXX XXXX XXXX XXXX I request a comprehensive investigation into these discrepancies and strongly urge you to provide supporting evidence, such as payment statements, that substantiate the reported late payments. If you are unable to provide such proof, I demand that these payments be immediately corrected to reflect their accurate status as paid on time, as I have consistently fulfilled my payment obligations without any delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to Chase Bank two-wire {$3000.00} dollars to XXXX the teller was there she made so much mistake with sending off the money she finally send off the money I did not know the money had to go through XXXX XXXX to get to XXXX inXXXX when I went to XXXX in XX/XX/XXXX and when to XXXX XXXX XXXX in XXXX I realized the money was not there I called Chase Bank from the manager Office from the bank in XXXX upon calling Chase Bank they said it was some kind of mix-up the money was in the hair when I came up now I go to the bank they said the money is not there I've been going through the running around Chase told me to call her XXXX I call real XXXX XXXX XXXX said they trying to get to XXXX XXXX not responding iqor XXXX XXXX said XXXX XXXX never send them no information no nothing Chase told me they're not responsible for my money they don't want to have anything to do with me XXXX   XXXX don't want to have anything to do with me XXXX XXXX XXXX in XXXX said the money is not there I want my money the teller from Chase Bank they fired her I don't know what's going on I don't know what's going on I just want my money Chase Banks manager said they don't have the money it's between XXXX XXXX and XXXX the money is messing. You said if it's the best bet he think is XXXX XXXX. Chase Bank customer representative they call me they said they can not do anything to help me they was so rude to me and nasty to me on the phone.
Product: Debt collection

This company keeps contacting me over a debt that is at least 10 years old, not even on my credit report. They constantly call and have sent me emails saying there is a warrant for my arrest. Im also pretty sure its not the correct amount I owe. And change amount owed in various emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognnize the following inquiry UNIVERSAL CREDIT SERVICE ( Miscellaneous ) XX/XX/20XXXX XXXX
Product: Debt collection

I sent a letter to Smith Rouchon & Associates on XX/XX/22 to verify debt on my credit report. They have not responded but they did respond to the bureaus verifying a debt. I would like to know what debt they are verifying but they will not respond to me. I never received anything that I had a debt with this company. I was told by my lender when disputing that this process will take some time, so I'm prepared to keep fighting for corrections on my report and keeping a XXXX XXXX of all letters that have been sent to the company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account number 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 an account without my written instructions.
Product: Debt collection

I have told at least 3 representatives from Bright Lending in the past that this telephone number does not belong to XXXX XXXX. It is a cell phone belonging to his former employer, XXXX XXXX. Each representative states that they will remove my business cell phone number from their database. Yet .... 

Since Monday, my cell phone records show the following calls that I ignored : Monday, XX/XX/2021 at XXXX from XXXX Monday, XX/XX/2021 at XXXX from XXXX Tuesday, XX/XX/2021 at XXXX from XXXX Wednesday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX On Friday, XX/XX/2021 at XXXX, I picked up the phone and spoke to XXXX who RUDLY INSISTED that Bright Lending has never called XXXX before. She refused to take me out of their database altogether as I requested, instead she said she will put me on their " do not call '' list which they will sell and cause further harassment. When they call they insist very rudely to talk with XXXX XXXX, when I tell them they have the wrong number, they refuse to hang up, they continue to ask as though I am trying to hide him. 

If I get another call from them or an associated company, I want compensation per call. I am tired of them interrupting business meetings and my work day.
Product: Credit reporting, credit repair services, or other personal consumer reports

good evening. this complaint is in reference to the XXXX XXXXXXXX XXXX account shown on my credit report at XXXX and EQUIFAX. the vehicle that was financed with XXXX XXXX XXXX was repossessed in or around XX/XX/2017 in XXXX nj. After i found this account on my credit file i did some research on the vehicles VIN number and found out the vehicle was sold at auction in or around XX/XX/2017. I was unaware of this because i never received any correspondence regarding the vehicle after its repossession by XXXX XXXX XXXX. It is to my knowledge that new jersey state law and UCC codes state that a finance company SHALL follow certain distinct procedures after the repossession of a vehicle and if these procedures are not followed the deficiency ( repossession ) can not be claimed therefore can not be on my credit profile. new jersey state law and UCC codes state that after a vehicle is repossesed several different notices are to be mailed to the consumer regarding how to redeem the vehicle back, when and where the auction will take place, and if auction of the vehicle takes place, the amount the vehicle was sold for and if there was any surplus amount. this information helps the consumer verify if the amount owed is in fact accurate and correct. i NEVER received any of these notices. these notices must have also been sent within very specific time frames after the repossession again i never received these notices. the finance company shall also be able to provide proof that these notices were sent to the consumer. i have disputed this account with XXXX and EQUIFAX for 100 percent accuracy regarding the balance and other aspects of this account and ALSO i have requested proof of these notices required by new jersey state law and its UCC codes in order to claim the defiecency. To date my request was not fullfilled and XXXX and EQUIFAX simply updated my account as accurate. i simply exercised my rights under section 609 to have the information provided to me about the account listed on my file and it was not met as well as if the account is unverifiable it must be removed from my file. not to mention how can this account have been verified at all when the information between XXXX and EQUIFAX does not even match! how can they possibly have verified this account as accurate and the information does match? they both can not be right. there are so many issues with this account i would like to request its removal this is highly stressful to me that the credit bureaus are in violation in these aspects!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with experian in regards to accounts that I have no knowledge of, and the company is preventing me from filling another dispute for re investigation. I am fully aware that it seems like my inquiry is being done by a computer operating system..I have detached my rights below I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

For the past couple of months, I have been getting phone calls from XXXX XXXX about a credit card from HSBC Card Services that it says I owe money for. They had an old  address of mine from 13 years ago, and said they have been trying to contact me, and that they were going to have me served with legal paperwork at work. 

On the first call, I asked them for more information on the debt, they said it was an old credit card, and that it was charged off in XX/XX/XXXX. I explained that I had no idea what card that is, as I have not lived at the address they say the card was opened at for 13 years. I asked if they could send me some paperwork so I could verify the debt, and provided them with my current address. The paperwork never arrived. A few weeks later, they called my job, and the call ended with the same promise - they would send me documents to view, and if it was not mine, all I had to do was fill out the form stating it wasn't, and send it back. Again, nothing arrived. 

On XX/XX/XXXX, they called my uncle, and stated they need me to contact them. I called them back, but they did not pick up. On XX/XX/XXXX, they called me again, and I again stated that I did not know which card they were calling on. I told them the only card I've ever had from HSBC I closed in XX/XX/XXXX. I asked if they could provide any information, as I was concerned someone opened a card in my name without my knowledge. They refused to provide me with the last date of payment, the date the debt was defaulted on, date it was opened, or anything other than the name of the original owner of the debt, and they could not. I told them if they could provide me with proof it was my debt, and that it was not beyond the statute of limitations, I would work something out. 

After this, the representative started to yell at me, accused me of being a liar, trying to steal money, etc. When I said I simply wanted proof it was my debt, she said I would get that proof in the form of a lawsuit. Again, I said I merely am asking you provide me with enough information to validate its my debt, and not beyond the statute of limitations. Again, I was told I would be sued, but not only that, but that they would ruin my credit and post it to my credit profile in 2 weeks. She then hung up on me. 

I panicked, and called back, many times, asking them to put me in touch with a manger, or someone who can help. Asked every time, not to be put in touch with the rep in charge of my account because she kept calling me names and threatening me, and that I need someone to work with me. No luck. When I ask for their address, they refused to provide it, and disconnect the call. 

They use robo calls that leave threatening messages. The rep in charge of my account is XXXX XXXX, and the number they have on file is 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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX  - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX Blank/Missing - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an informal dispute directly to XXXX XXXX and transunion informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau XXXX have failed to investigate this matter conduct a proper investigation into the disputed inquiries