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 XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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 list of Inquiries. 

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 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 or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Unauthorized Credit Cards : XXXX XXXX  XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not apply for or consent to this credit card. 
XXXX. XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not apply for or consent to this credit card. 

Inaccurate Late Payments : XXXX XXXX XXXX XXXX  XXXX XXXX Account ending in XXXX ) : This account, opened on XX/XX/XXXX, shows late payments for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments are inaccurate and should be corrected. 
XXXX. XXXX ( Account ending in XXXX ) : This account, opened on XX/XX/XXXX, shows a late payment for the date XX/XX/XXXX. This late payment is inaccurate and should be corrected. 

Personal Loans : XXXX. XXXX  XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not apply for or consent to this personal loan. 

Collections : XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) : This account was opened on XX/XX/XXXX, without my authorization. I did not agree to or acknowledge this debt. 

Unauthorized Inquiries : XXXX. XXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXXXXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXXXXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX XXXX XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 
XXXX. XXXX : Inquiry date XX/XX/XXXX. This inquiry was unauthorized. 

I request that the CFPB investigates these issues and takes appropriate action to correct my credit report. Thank you for your assistance in resolving these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
XXXX5 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 a account without my written instructions.

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 d purpose. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft following a recent data breach involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  between XXXX and XXXX. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent.The leaked data from XXXX and XXXX XXXX XXXX included the exact types of personal information needed to open accounts I would like to have the following accounts removed from my credit report.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received several offers from credit karma stating I was approved for a credit card. I never was approved and they did credit check, causing my score to go lower. They also provided incorrect credit score. Embarrassing to think your score has increased and it actually has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I discovered XXXX XXXX, XXXX has been re-inserted into my credit file after being removed. I was not notified within XXXX XXXX XXXX XXXX days of re-inserting a previously deleted item. I did not receive any such notification. 
This account was reported on XXXX/XXXX/XXXX to Better Business Bureau and it was removed from credit report after results of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient ( Sallie Mae ), after settling a lawsuit for $ XXXX, is still reporting derogatory statuses on my credit reports for loans dismissed as a result of their illegal & fraudulent business practices including but definitely not limited to forbearance steering & payment mismanagements originating in loans taken out in XXXX and in repayment from XXXX onwards. I was directly and adversely effected and it has cost me thousands in the ensuing years in the form of higher interest rates, denied financing, and an inability to demonstrate an established good payment history. This predatory and illegal behavior occurred at a time when I was overseas on XXXX & serving in US military which only exasperated my ability to handle it quickly or effectively. I almost lost my security clearances multiple times and only maintained those by paying large lump sums of money out of pocket over a satellite phone to cover Navients predatory and purposeful mismanagement. I was working 16 hour days on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I couldnt simply step away for a minute to handle my finances as a result of a bad loan service providers actions back home within the XXXX time zone differential very easily and even if I could have for a minute, the chances of calls dropping neared 100 %. Can you imagine? As you know, this is an extremely important and arguably the most important part of having access to reasonable credit at competitive rates. To this day, the Credit Reporting Agencies are unable to remedy the situation through their normal investigative methods. Ive given these agencies detailed explanations referencing dated documentation aka PROOF. This is in addition to the public evidence brought forth by 39 State Attorneys Generals which undoubtedly provides the most insight into how this company has operated in the past and during the exact timeframes mentioned/reported in the enjoined multi-state lawsuit and displayed in bold print on my credit reports. Despite my best efforts, those damaging accounts remain a burden to this day. I am seeking a mortgage to buy our first home with my wife. Weve worked hard and weve attained good careers through dedication and hard work and we deserve our dream home and these negative remarks are an unfair hindrance to this goal. They were rightfully dismissed in the lawsuit yet remain derogatory stains ( through no fault of my own ) on all 3 reports despite my best efforts to have them removed. Im filing this complaint because it is the next step for me seeking this relief. Navient still reports derogatory remarks ( collection/charge-off/bad credit ) for 6 accounts beginning with numbers XXXX in the amounts of {$8600.00} ( opened XX/XX/XXXX ), {$12000.00} ( XX/XX/XXXX ), {$14000.00} ( XX/XX/XXXX ), {$11000.00} ( XX/XX/XXXX ), {$1900.00} ( XX/XX/XXXX ), & {$1900.00} ( XX/XX/XXXX ). Note : These amounts are nearly double what I originally took out because of their practices. Its ruinous to say the least. Assistance is warranted and would certainly be appreciated.
Product: Debt collection

15.USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than 4 business days after the date of receipt by such agency of - ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX date of inquiry ( XX/XX/XXXX ) XXXX XXXX  date of inquiry ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've already given you a certified letter about some negative information on my credit report. However, your company failed to delete accounts that are unverifiable and unrelated to any of my addresses, so how are these accounts verified? You did not successfully remove and delete the disputed items. I'll say it again : the Fair Credit Reporting Act requires you to follow the law.
Product: Credit reporting or other personal consumer reports

I submitted a complaint via the CFPB to Equifax in XX/XX/year>, regarding inaccuracies on my credit report. Equifax responded, claiming they had deleted XXXX XXXX XXXX and XXXX from my reports. However, these accounts continued to appear on my report. In XX/XX/year>, I filed another complaint about this issue, and Equifax assured me that these items were not on my report. Despite this, when I reviewed my credit report, the items were still present. On XX/XX/year>, I called Equifax, and they informed me that they have no record of my complaints and confirmed that these accounts remain on my profile. This ongoing issue seems to constitute an FCRA violation due to Equifax 's failure to correct the inaccuracies and maintain accurate records.
Product: Credit reporting or other personal consumer reports

Ive receive a response via mail from Equifax dated XX/XX/year>. 

The following response is : We are unable to locate a credit file in our database with the information I provided. In order to assist I must provide Name, current and former addresses, social security number and dat of birth. The following must be sent in : Pay stub W-2 SS Card Drivers license number Rental agreement Utility bill Equifax information services LLC XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I owe credit debt. I had to stop paying due to personal health issues. I had nine operations or procedures before I dropped paying. XXXX was a catalyst. After rent my income to live on is XXXX a year. 

So now XXXX XXXX is suing me for XXXX dollars. I received a letter in the mail on the XXXX th of XXXX this was the first I heard of the law suit by Buckles and Buckles, P.L.C. who is representing XXXX XXXX. These people are who sent the process service from XXXX XXXX XXXX. They claim they already informed me but I cant remember them doing so. 

My complaint is about another choice on the paper is to post on the persons door. On the XXXX I was in my apartment. However the process server did NOT buzz my apartment. He instead taped the summons to the glass door in the foyer entrance to the lobby. He did not post it on the door of apartment XXXX. And he could have gotten in. To rub salt in a wound he purposely posted it at a time he assured maximum exposure by posting it between XXXX and XXXX XXXX on a Saturday. The lobby was busy there were several people outside.Ssomeone came to my door to tell me everyone is reading it. Although she did not know how long it had been there. It was XXXX when I went down and people were telling me he didnt try my buzzer he just came in and Oates it. People had try to pull sheets out to read more than the front page I guess. He might as well went around with a megaphone. People were averting their gazes, asking me if I was ok and one person said it was probably about something stupid. Those that know now continue to treat me like Im ill. These are my friends. My community my social family. Now Im carrying an elephant with me. NO ONE HERE KNEW ABOUT MY PERSONAL FINANCE SITUATION, Now I dont know who knows. My friends, strangers and frenimies. I am an active member of my community but have not left my apartment since this public humiliation. I considered XXXX. Im not sure if this will affect the apartment mangers view of me and my ability to pay rent. They have impinged on my personal life and relationships to the point where I dont even know what to say to people. This is so wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently paid off some credit card balance which is showing on my credit reports. What I don't understand my credit scores dropped. I have been dealing with credit forever and when paying down your debt your scores should increase.
Product: Credit reporting

There is a collection on my current credit report from Equifax and XXXX that belongs to my XXXX sister. The collection is a medical bill that I am not liable for. I am XXXX XXXX military and I am covered under XXXX XXXX XXXX, fully.
Product: Debt collection

On XX/XX/XXXX my parents had received an offer to install solar panels by a solar panel installation company. They went through with the process and signed for what was agreed for XXXX $ monthly payments at a XXXX $ loan. What proceeded to happen was that nothing that was signed and agreed upon happened, and then that the amount raised to! XXXX XXXX They failed to install everything, we weren't receiving the promised electrical bills, our fees doubled to XXXX $ + monthly, and they haven't tried to help us and are only requesting for us to pay bills. They are not assisting us with finances or clearing up the problem. We wanted to speak to the representative that helped us and the company says they for fired for fraud and that we have to pay up. To this date my parents have not paid anything and are in a case with a lawyer for civil litigation trying to repair their credit and sue the company for fraud and breaching the contract and failure to communicate or try to help in any way. Our lawyer told us there is thousands of these scams going around the United States and that they got caught up in it but he'll help us. Forwarding to XX/XX/XXXX, I randomly received an email from XXXX XXXX, that my account is delinquent and I'm in collections for the same company. I was astounded by how this could happen when I was out of state working while all this signing and solar panels contracting happened. It was during the holidays so I couldnt speak to anyone. Now I have called the lawyer and he told me to go ahead and file a dispute and this is what I assume a way to dispute. I have not signed anything and was never part of the contract, we have the paperwork and contract still and I appear nowhere on that paper. I contacted goodleap to see what happened and I thought that maybe they got confused on the name because me and my father have a similar name. They said I was a cosigner-Co-User for the loan,. I tried speaking with them and fixing it but they just want payment instead. I have never been part of this and have no idea how they obtained my information. I was never part of it and it was never on my credit reports/score until XX/XX/XXXX and i'm sure they committed fraud. 
I contacted the company GoodLeap and they told me that no person with my last name, which is different from my fathers is on the contract or on the collections/report. I have no idea why I got added, they told me that I shouldnt be part of collections. But they have not removed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

I requested and received a balance transfer from Wells Fargo. The account the balance transfer was suppose to go to towards my XXXX XXXX XXXX, XXXX. Account # XXXX in the amount of {$2500.00}. Instead it went to XXXX XXXX XXXX XXXX, XXXX, which I did not have an account. 
Through my own research discovered it was an collection agency. I had no accounts in collection. 
I appealed twice through Wells Fargo. Both denied. So I have been paying back on an account that never belong to me since XX/XX/2022. 

The minimum due was {$25.00}. Although I hated paying it, I could. Most recently the minimum due has gone to {$72.00}. I can not do that and I need help getting this corrected and my money back. 
The Wells Fargo account is XXXX. I have never used this account only paid on it. This is an error that has not been corrected. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/1990 Account # XXXX Ally Financial XXXX XXXX XXXX, XXXX, XXXX  XXXX Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( 1 ).

Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated. 

Please provide a full description of the finance charge, how it is calculated and every charge associated to finance charge fully explained plainly. 

Best Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For many years I have been trying to build my credit, and due to unfair reporting from XXXX and creditors, I have not been able to do so. XXXX also had my account locked for many years without my acknowlegement until this year after finding out. I keep having to dispute inaccurate loan amounts, addresses, and including the spelling of my name and etc. XXXX also kept inquiries on my account for many years that should have been removed.Within the last month I had applied for 2 rental properties that do tenant screening through XXXX. I was denied because of low resident score. From XX/XX/XXXX to XX/XX/XXXX, it dropped to XXXX from XXXX. I called both XXXX Call Center, and their rental Rental Screening Dept. and I was not given a good answer as to why it dropped so fast. I been renting for many years, and has not had any judements, leins, or etc against me.I do not have many deliquent accounts. I been having to dispute for months regarding XXXX XXXX XXXX XXXX reporting inaccurate loan amount due. XXXX would investigate and conclude that its update, even after I told them amounts paid. I have attached proof of payments at the bottom. THis is not the only one. Get it now XXXX who is own by XXXX XXXX XXXX has been doing the same as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX hit me with a hard inquiry I never did any requesting with them on XX/XX/XXXX so I am unsure as to why this is on my account this is fraud.