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

I have notice inquiries that are not of my knowledge and have reached out to these companies in question and received no results I have reached out to XXXX as well and I have gotten a run around. 

Here are the companies and dates of inquiries 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification and validation of debt for these accounts and have not received it at numerous attempts. I have requested proof that these accounts belong to me and have not received it. I have requested proof that I have initiated an agreement to obtain these accounts, nothing has been received. I have requested immediate removal of these accounts after they did not receive verification or validation after 30 days and the bureau has not done so. It has been 3 months. These accounts do not belong to me.
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. I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : Trojan Professional Services , Inc : reference # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

COMPLAINT : TRANSUNION,  XXXX ,   XXXX   XXXX     MILLION CONSUMERS IN CA L.  XXXX  MILLION  CONSUMERS IN   XXXX   XXXX   COUNTY.
1. AS YOU KNOW, I MAYBE   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   IN 2018.
2. AS A   XXXX   XXXX  , I AM GETTING TIRED OF THE ABUSIVE GAMES THE CREDIT REPORTING AGENCIES DO TO ALL CONSUMERS : A : WHY WHEN YOU ARE TRYING TO GET A MORTGAGE DO THE CREDIT AGENCIES GET ABUSIVE : 1. WHY CA N'T YOU HAVE UP TO    XXXX   INQ UIRES WHEN A CONSUMER IS NOW SHOPPING TO GET THE BEST RATES AND TERMS FOR A HOUSE???
2.WHY WHEN YOU TRY AND RENT A HOME ARE THE CREDIT AGENCIES SO ABUSIVE AND NASTY : YOU CAN NOT HAVE MORE THAN  XXXX  INQUIRY : YOU CREDIT SCORE WILL GO DOWN : ABUSIVE : YOU CAN NOT SHOP AROUND FOR THE BEST RATES IN MGT.
WE WILL ABUSE YOU : YOUR CREDIT RATING WILL SUFFER : SOLUTION : NEW CONSUMER BILL OF RIGHTS 1. YOU CAN HAVE  10 INQUIRIES  EACH YEAR ON YOUR CREDIT REPORT WHEN SHOPPING FOR A HOUSE OR TO RENT : A : IF THE CREDIT AGENCIES ABUSE YOU AND YOUR RATE GOES UP : CLASS ACTION LAWSUIT AGAINST CREDIT AGENCIES : 2.SOLUTION : IF THE CREDIT AGENCIES ARE WORKING WITH BANKS TO INCREASE THE RATE AT WHICH A CONSUMER CAN GET A CAR LOAN, HOUSE LOAN GOES UP : ARE THE CREDIT AGENCIES COLLUDING  WITH THE BANKS TO SEE IF THEY CAN STEAL MORE FROM THE  XXXX  MILLION CONSUMERS IN CAL, THE  XXXX  MILLION IN LOS ANGELES COUNTY : EXPLAIN TO ME WHY MY CREDIT SCORE GOES DOWN WITH  XXXX  AGENCY  AND UP WITH ANOTHER : SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT AGENCIES OF ABUSING THE CONSUMER AND CHARGING HIGHER RATES T  O THE CONSUMER???
Product: Debt collection

i dint know that this was on my credit and i notice that they are sending me letters saying that i have to pay the debit but i know it is not mine or if it is my i dont know why i am being charged for
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX made an improper credit reporting status in XX/XX/. I made the payment within the 30 day grace paeriod and was told by a representative that there would be no late credit reporting. I was told the payment would incur interest but my principal payment was paid according to guidlines.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It My Concern, I was looking at my credit report on XX/XX/XXXX. I had noticed o the hard pull Inquiry 's and there is a lot of stuff on here I never authorized, Isn't mine and that I am unfamiliar with. Under the fair credit reporting act I was hoping you guys could look into this and hopefully these Inquiry 's which I feel I didn't make unless provided proven paperwork stating otherwise. I have tried calling some of these companies as I believe this to be Inaccurate and possibly fraud. The customer service on these companies is terrible. Here are the items I am disputing. I Just want all the inaccurate information off my credit report. I will also attach a picture of my credit report with this false Information. XXXX XXXX XXXX XX/XX/XXXX I didn't Authorize. XXXX XXXX XX/XX/XXXX I am being hit twice on the same day I didn't Authorize that. XXXX XXXX XX/XX/XXXX I spoke to them Early XXXX they had said they would remove that and never did. XXXX XXXX XX/XX/XXXX I never authorized. XXXX XXXX XX/XX/XXXX I Never authorized. Everything stated above I never gave anyone permission to run my credit. Okay lastly XXXX XXXX XX/XX/XXXX I believe this was a credit card increase they had said would be a soft pull inquiry and that was the only reason I did it. If anybody has any question for me please feel free to reach out as I would like to resolve this matter as soon as possible. I understand with Covid-19 everyone going through hard times. I just want to have accurate information on my report to all the major credit reporting companies.
Product: Credit reporting or other personal consumer reports

No verbal or written agreement with third party. 
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 name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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, states a consumer reporting agency can not furnish an account without my written Consent.

furnish an 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 infor
mation, other than records of convictions and crimes which antedates the report by 7 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: Debt collection

To Whom It May Concern, I am writing regarding the fraudulent debt claim made against me by XXXX XXXX XXXX, as well as the illegal actions taken by Scott and Associates in attempting to collect this alleged debt. 

Let me be absolutely clear : I do not owe this debt, and I am formally disputing its validity. The debt you claim is mine was fraudulently created, and I have no obligation to pay it. Despite my repeated requests, you have failed to provide any legitimate documentation proving that this debt is valid or that I am responsible for it. 

By continuing to pursue this fraudulent claim, you are violating multiple federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. Your actions constitute harassment and misrepresentation of the debt, and I will not tolerate any further attempts to collect on this illegitimate claim. 

If this matter is not immediately resolved and this debt is not removed from my credit report, I will be left with no choice but to pursue legal action. This will include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General, as well as seeking damages for your violations of federal law like the last lawsuit your company endured paying well over {$12.00} million dollars for illegal ttempts to collect. 

This is your final warning. Cease all collection attempts, remove the fraudulent debt from my credit report, and confirm in writing that this matter is resolved. 

Failure to comply with this demand will result in legal proceedings against both XXXX XXXX XXXX and Scott and Associates. 

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

This, I believe, was a credit card that was STOLEN by my ex-husband ( XXXX XXXX XXXX and his son XXXX XXXX XXXX ). They maxed it out. I was trying during my divorce to pay more on the card than what was due but then I became very sick and have been on XXXX and 12 other medications since. And I have XXXX XXXX care between being hospitalized several times a year. I am receiving social security XXXX. I don't remember what credit card this is even about. But with this on my credit report as a negative I can't refinance my home. I need help with getting this cleared up desperately. PLEASE ... or I will be homeless next year. Thank you in advance.
Product: Checking or savings account

I tried to access the funds in my capital one account. I have had to call 6 times. They keep freezing my account. Their customer service support can not help and my funds are locked in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE, XXXX XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE, XXXX XXXX XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Filing a complaint against Equifax, Equifax is reporting in accurate information on my credit report for XXXX that is not my bill this car was total lost and the car dealership is still reporting that I have the car the insurance company has paid them in full and this is affecting my credit score this case was bet in court I own them {$0.00} dollar on this car loan
Product: Credit reporting or other personal consumer reports

This account was opened in XXXX of XXXX  and was delinquent in XX/XX/2016. I paid the past due balance to XXXX prior to the company going out of business. My credit report shows I owe {$1600.00} when I do not owe them anything. Additionally, this has been on my credit for more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Innovis several times and most recently at the beginning of XX/XX/XXXX ( see attached ) regarding incorrect information on my Innovis credit report. First, despite XXXX certified letters to Innovis informing them that they have mixed my deceased fathers file with my file they have continued to attribute XXXX, XXXX  addresses to myself when I have never lived in XXXX, XXXX. My father on the other hand lived in XXXX, XXXX  until he died back in XX/XX/XXXX. Second, in addition to attributing XXXX XXXX  my father accounts to me ( XXXX # XXXX and XXXX XXXX  # XXXX ), the details of these XXXX accounts are completely inaccurate and incomplete. The XXXX account was settled back in XXXX by my father before his death and a XXXX was issued ( see attachment ) by XXXX which was file in my fathers final XXXX taxes. In addition, the account they are posting has no Date of XXXX Deliquency or the Date the Account was Closed which is necessary to determine the dropoff date for this account. Also, there is no Payment History, either positive or negative! The XXXX account is likewise missing Date of XXXX Deliquency and the Date the Account was Closed that is needed to determine the dropoff date for this account. Again, there is no Payment History, either positive or negative!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( BK OF AMER XXXX, BK OF AMER XXXX )
Product: Credit card or prepaid card

I have spent almost a month trying to discuss my concerns with Barclays by calling the customer service department. I first reported a dispute claim # XXXX for {$75.00} sometime around XX/XX/2022. My concern is I made a purchase of {$150.00}, this was for two pairs of jeans. One pair was returned to the store and I got my refund of {$75.00}. I had to send the other jean through the post office however to date I have not received my refund from the merchant XXXX for the remaining balance of {$75.00}. My claim was closed because the claims processor immediately assumed that the one credit of {$75.00} I had already gotten was what I was disputing, but they are wrong with the choice they made and did not understand this claim at all. Since then I have been trying to explain to Barclays that my claim was closed in error and was not looked into accurately or even understood accurately by fax and by calling customer service. I spent numerous amount of time calling XXXX but there is an extreme amount of time that I have to be on hold then when you finally get someone you either hear kids in the background yelling or the call just disconnects. I really need someone serious and respectful to help me with my concern. My patience is exhausting and it is getting to the point where I might just cancel and close this account. The customer service for the Barclays Aviator is terrible.
Product: Debt collection

Account was settled on XXXX XXXX it was an account from XX/XX/XXXX and Lvnv reported the balance as a geliquent acct opened in XX/XX/XXXX it was reported on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my early warning report.I noticed negative reporting from XXXX, I'm not familiar with. I sent a dispute to Early Warning Services, asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 
XXXXXXXX XXXX Account Number ( XXXX ) : XXXXXXXX XXXX XXXX Account Number ( XXXX ) XXXXXXXX XXXX XXXX Account Number XXXX According to the FCRA 2. Right to Dispute Inaccuracies Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days. 

3. Notification of Dispute Results Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 

EWS violated by consumer rights according to the laws listed above by not providing written response detailing the results of the investigation and providing documents used to validate the debt.Please find attached all disputes sent to EWS and their response.
Product: Debt collection

I am writing to file a formal complaint regarding the inaccurate reporting of late accounts on my credit report. It has come to my attention that there are multiple instances of late payments listed that are not reflective of my payment history and are in violation of the Fair Credit Reporting Act. It is imperative that these inaccuracies be rectified promptly to ensure compliance with the law and to uphold the integrity of my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on XXXX. How is this possible for an account that should not be on my credit report?

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # starting with 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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Through conspiracy with regulators, politicians and XXXX related entities Chase is in possession of my and other creditors stolen property. Chase is now insolvent and as a result Chase needs to immediately cease all lending activity. The existing collateral for their outstanding loans, likely mortgages and businesses should be liquidated and the bank should cease to exist. The politicians that were paid for with stolen money need to be impeached and their sponsored policies void. The people responsible will be tried for treason as their actions directly threaten the continued existence of the republic. If you think XXXX bought a lot of political influence with my stolen capital, then brace..
Product: Money transfer, virtual currency, or money service

XXXX XXXX was taken out of my account on cash app on XX/XX/XXXX and I was not reimbursed for this transaction due to some fraudulent and scammer activity due to somebody accessing my account I also lost a potentially XXXXXXXX XXXXXXXX XXXX XXXX of XXXX bringing the Total amount to XXXXXXXX XXXX which also landed me in a dispute with a job i no longer have as my company card was attached to that cash app account I currently no longer use cash app because my account was hit those times and there was no dispute or no way for anybody to help me get back my friends I was told through a automated message that there's nothing that they could do
Product: Money transfer, virtual currency, or money service

CashApp aka Square Inc closed my account with 0 notice with a balance of {$650.00}. They gave me an option to transfer monies into my bank account, so I did that. I went to the bank and pulled transaction notes and they reversed my {$650.00} And its no where to be found
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Synchrony Bank / Care Credit a settlement letter and check in the amount of {$910.00}. The settlement letter clearly stated that if they accept the payment, they agree to update my credit reports to show the account as settled for less than full with a {$0.00} balance owed. On XX/XX/2020 Synchrony Bank cashed the check and the check cleared my bank. As of XX/XX/2020 my credit reports are still showing a balance owed on the account, and has not been updated to reflect the account as settled for less than full. Sync Bank has not honored the terms of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Debt collection

Ability Recovery Services placed a collection account on my credit report. I received notification from XXXX on XX/XX/XXXX. On the collection account they listed XXXX as the original account holder. They listed recent dates on my collection account. They stated account was opened on XX/XX/XXXX and was updated on XX/XX/XXXX. I called them and they stated this was from over 5 years ago or more. They confirmed this was from XX/XX/XXXX at the earliest. I have lived at the same address for almost 4 years, and have had the same phone number for over 3 years. I have never ever heard from this company. I was under the impression my course was cancelled with XXXX because I beame totally and permanently XXXX. I think that Ability Recovery waited until I applied for a mortgage ( XX/XX/XXXX XXXX and then listed the account on my credit report because I was applying for a FHA mortgage and would have to pay before closing. I have also reported this to the Federal Trade Commission. With the reputation of XXXX being untruthful with students and issues with Ability Recovery Services, I think further investigation should be warranted. I have attached the listing from my credit bureau and also my total and permanent XXXX student loan information stating all my loans were forgiven due to permanent and total XXXX.
Product: Checking or savings account

After being a member of Paypal for around 15 years, I received a notice from the company that they have frozen my account since they could not verify my identity. I provided the identify verification documents to the company and they have since not responded. On XX/XX/2020 I received a notice that my account has been restricted and my funds will not be made available for 180 days. My current balance is {$3300.00}. My Paypal email is XXXX I have talked with Paypal customer support and was notified that I violate their Terms and therefore my funds will be frozen for 180 days. I asked which term I violated and was told that they could not share that with me. This is absolutely arbitrary and capricious and doesn't make sense. They have not legal authority to freeze my funds. They do not have a judgment order or any other legal avenues through which they could legitimately freeze my funds for 180 days.