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

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW AS : XXXX XXXX XXXX, XXXX  ( XXXX  ) on XX/XX/XXXX.BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 

After reviewing my credit reports, I noticed that you are alleging that the following account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report, therefore you must remove all adverse remarks for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$350.00} - ACCOUNT IN COLLECTIONS ON XX/XX/year> BY THE ALLEGED CREDITOR : XXXX XXXX XXXX As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX XXXX and XXXX data breaches and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also XXXX is reporting a fraudulent XXXX credit card and same with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I complied with a notarized letter to all three credit bureaus so that can report correctly.. 

What is the 15 USC 1635 right to rescind auto loan?

1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until midnight of the third business day.
Product: Debt collection

I received notification from XXXXXXXX XXXX that my credit rating was negatively affected by collection on a charge. This charge was from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, for an outstanding bill to a residence XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. The problem is, I don't own any property in Texas nor have I lived in Texas. The amount charge is {$690.00}.
Product: Credit card

I was solicited for real estate leads where the fee for the service could be reimbursed upon closing sales. I signed up and the fee was paid of {$1700.00} XXXX of 2024. I began having a hard time reaching the company and upon research, could not find anything showing this was a legitimate company. On the website there are all dead ends. I believe the company operates overseas and once they collect your fee, they're gone. I filed a complaint with both XXXX who they wanted payment through, and Wells Fargo bank ( using my Visa Debit/Credit guaranteed card ) where my money came from to go through XXXX. Another red flag was they wanted their money going through XXXX because they know once it goes through XXXX, they'll get it whether they're a legitimate company or not. Then a representative from " XXXX XXXX '' ie the scammers, called and harassed me many times a day and said if I didn't release both fraud claims, my money would go into limbo for months between the bank and XXXX ( which it did ). So he scared and threatened me into cancelling both claims. I later contacted both Wells Fargo and XXXX and told them not to release the money because the company was fraudulent and that they were scammers. 
Wells Fargo released my {$1700.00} to XXXX on XX/XX/year>. On the XXXX site it says the company was paid the {$1700.00} on XX/XX/XXXX. 2024. I can't reach a human or even get an email back to my inquiries from either XXXX XXXX ( and their phone calls do not connect when called as provided on their website ) or XXXX. XXXX XXXX is based out of XXXX, TX, allegedly. I have filed fraud investigations in TX and Federal. They are clearly not legitimate, and my VISA guaranteed card did not protect me, even though there is fraud protection on the card either charge or debit. I am desperate for someone to help. I am a solo real estate agent and that's a LOT of money. I just keep getting the run-around from VISA, Wells Fargo and XXXX.
Product: Prepaid card

I bought four XXXX tires for a family member who needed tires from XXXX XXXX XXXX. I was to receive a {$50.00} rebate and it arrived in the form of a XXXX. It arrived after the expired date. It expired in 2019. I called when I received it to ask for a replacement and was told basically that it was too bad and nothing could be done about it. I filed it away and today, I decided to try again and was told the same thing. This was a XXXX with the website ( printed on back of the card ) as MyPrepaidCenter.com and their phone number is XXXX. I would like the complaint sent to My Prepaid Center. This is their company website : https : //myprepaidcenter.com/home
Product: Credit reporting or other personal consumer reports

Hello, I am writing to dispute the accuracy of a hard inquiry that appears on my credit report on XXXX, XXXX and Experian. I recently reviewed my credit report and found that there is a hard inquiry that I believe to be inaccurate. The details of the inquiry are as follows : XXXX XXXX ( why would I apply for a home loan 4x in one year? ) XXXX ( sent me a pre-approval and received my credit information through XXXX XXXX breach ) XXXX ( why would I apply for a home loan 4x in one year? ) XXXX XXXX ( why would I apply for a home loan 4x in one year? ) XXXX ( I did not apply for another credit card ) I did not authorize or initiate this inquiry, and I have no record of applying for credit or a home loan. There is no other legitimate reason for this inquiry to appear on my credit report. Therefore, I request that you investigate the accuracy of this hard inquiry and take appropriate action to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charged off a XXXX XXXX XXXX account over 5 years ago, did a 1099c and have told me multiple times on the phone this account has been closed. 
I filed a XXXX complaint earlyier this year and then my account suddenly shows up again on my credit report saying I had a outstanding balance and my account is in a late status. This reduced my credit score by over 30 pts and caused me to not be able to refi on a property. Please help has I called them and was told I deserved it and was hung up on twice. I was also told twice that this should not be on my credit report and they would remove it. Experian told me that they can report however they want and I have no right to dispute.
Product: Debt collection

the collection account refuse to send validating information on account. the account is not mine it belong to someone else.
Product: Checking or savings account

I have not been able to log in to my Fulton Bank account for over a month. I have tried about 20 times. 

I try to log in with the SAME computer, SAME operating system, SAME user name, and SAME password as I have used previously to successfully log in. But it no longer works. 

I get a message " We are temporarily experiencing technical difficulties ; try again later. If the problem persists contact us at XXXX. ' ( See attached pdf for screenshot. ) I have phoned that number several times, most recently I spoke with XXXX on Wed XX/XX/2021. She connected me the technical department, where a recording said to leave my name and phone number and somebody would call me back within 3 days. It's been 7 days and I haven't heard anything.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I discovered several unauthorized inquiries on my report, are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Im totally frustrated with my service with TD. They have constantly XXXX me over. I tried to activate a new card I received from them and told the card was invalid. I called customer service and they seem to be no help at all. I told her what was going on. So the bank sent me a card that wasnt working. I told her I had to get a temporary card due to fraud issues. 

I get to the train to purchase my fare and my card doesnt work. The incompetent agent deactivated my current card! I was stranded at the train station. Thank XXXX a person was able to purchase me fare to get to work this morning. Im tired of TD. You guys have taken so much money from me. Trust me I dont forget the XXXX  you guys taken from me putting my account in negative for 3 weeks. A dispute I know i did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my credit report with XXXX. XXXX responded and claimed they had investigated the information and verified the information was accurate? They advised me to contact the reporting company directly, which I did. The company in question is XXXX XXXX XXXX. I spoke with billing department supervisor XXXX XXXX on XXXX/XXXX/XXXX, and was advised that they have NO record of EVER speaking to anyone at XXXX regarding my account. Furthermore after reviewing my account the supervisor advised me the amount owe is not what the three major credit reporting companies are reporting. I asked for documentation to show them that they are reporting false information and the supervisor walked me through on how to get my statement online, ( I will be attaching that with this complaint ). XXXX never investigated so it 's clear they are willfully reporting false information on my report. XXXX claims I have a balance with XXXX for {$11000.00}. My account statement will show that 's incorrect.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Equifax advised me through a complaint that XXXX XXXX XXXX XXXX was not on my credit report. XXXX XXXX XXXX XXXX does show on my credit report it should have been deleted when my XXXX XXXX  XXXX was XXXX in XXXX. At this point you are in violation of FCRA. Please delete tradeline as per my documents that are attached Equifax stated tradeline not on credit report.

Experian please delete off credit report
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

BANKRPTCY CHAPTER XXXX MUST BE REMOVE PER THE ORDER IN THE DOCS XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ XXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL
Product: Credit reporting or other personal consumer reports

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

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

I always paying my debts I can't remember I have late payments. Please delete the following late payment status from my credit report. Also the 3 bureaus saying I using credit repair company to send out letters which is incorrect because I'm sending letter on XXXX  own Late payment accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$470.00} Account Name : XXXX XXXX XXXX  Account Number : Date Opened : XXXX. XXXX, XXXX XXXX : {$720.00}
Product: Mortgage

This is the THIRD time Ive had this problem with Wells Fargo the first two times they admitted their mistake in writing and sent me some money for my trouble now this third time theyre dragging their feet a bit and its not fair. Theyre trying to say that I owe them this XXXX dollars to cover what they did what they did is trying to turn my XXXX  into a second mortgage so they can put some insurance on it to get more money out of me now my mortgage holder is XXXX XXXX and they handle my escrow account so Wells Fargo XXXX not be trying to put insurance on this XXXX  because its not a second mortgage its an XXXX  and like I said twice before they admit their mistake gave me some money and we moved on and the payment went back to the original {$53.00} which Ive made every month during this whole fiasco for the past three years no late no skips not made or anything like that so everythings up-to-date but what they do is they take the payment {$53.00} trying to apply it to the past due amount ( which is wrong ) they say they have because of putting insurance on it and then theres not supposed to have insurance on it so they need to Correctly reconcile my account back to the regular payment of {$53.00} & no lates on my credit bcuz it is all their doing incorrectly to my XXXX! Youd think by the third time they could get this right!! I am XXXX yrs old & on a fixed income & this is making me so nervous I cant eat cant sleep after this ongoing problems with Wells Fargo ; I believe they are criminals & should b shut down! For my troubles I want more that the {$3000.00} they try to give me to not report them yet again!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 from Security Credit Service in the amount of XXXX it added a derogatory mark on my credit report per XXXX XXXX.Upon further research this account was transferred / sold and I am not responsible for the account as I have stated to them before and they have yet to send any type of documents to back up the charge. Debtors creditor did not verify this collection. also there was no written form of communication contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and says that it is mine.According to the FCRA, ( Security Credit Service ) has violated my RIGHTS AS A CONSUMER AND IM REQUESTING legal action to remove these account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and personal information has been compromised by Equifax. Equifax has reported that they have been hacked and millions of peoples personal information has been stolen. They state so through https : //www.equifaxsecurity2017.com/potential-impact/. I have inquired about my personal impact and it states my information may have been stolen. 

This is completely unacceptable for one of the 3 major credit reporting agencies to have such mediocre cybersecuirty and have my personal information stolen. Equifax is irresponsible in handling my sensitive data and the measures they are taking to help people impacted is poor to say the least. They are providing only 1 year of free credit monitoring services, and you have to agree to waive the right to sue them for their credit monitoring services. That is such an evil business tactic for them to cover themselves by forcing you to agree to such a waiver. 

Equifax released an explanation of this waiver saying arbitration clause and class action wavier included in the TrustedID Premier Terms of Use applies to the free credit file monitoring and identity theft protection products, and not the cybersecurity incident. That does not acceptable whatsoever either. I am not going to waive my right for legal action if the credit monitoring and identity theft protection is compromised as well.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/24, and notice some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX ], is not accurate. 

[ XXXX XXXX XXXX ] As I look at my report things that are inaccurate includes open date and the date of last payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
is on my credit report with inaccurate information which that does not belong to me as well as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not owe any debt to them, or any other creditor. I'm a victim of identity theft and this account is just many of its kind that has resulted to reporting to my credit report inaccurately and fraudulently to cause damage and hardship As of today XXXX XXXXXXXXXXXX XXXX XXXX it needs to be removed. I have asked to see proof of these items being validated, and my signed signature and have been ignored To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. According to the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Here as follows are items in error : 1. COLLECTION agency did not send me anything to verify this account so how did you verify it? 
Where is the valid documentation, please remove this account immediately XXXX XXXX 2. I had requested that this account be verified and I have not seen any proof from you that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to do so XXXX XXXX 3 . Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX has closed the account do to fraudulent activity in which they investigated and provided documents that I was not responsible for those charges the charges took place in XXXX however they are still reporting late payments to the bureau! The late payments accumulate during the investigation and were payments requested from the Fraudulent charges! Those Late payments should be removed Also I was not responsible for payments made fraudulent XXXX XXXXXXXX letter states that I was credited back the money to my account but that account is closed so why wouldnt they credit the late fees I was a victim and the closed account is hindering my report along with these 90 days late payment reports I need it removed Immediately by Law its falsely reported I am not responsible for late fees in XXXX that accumulated from XXXX fraudulent transactions that XXXX XXXX credited back