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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC 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

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 : XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Account opened XX/XX/XXXX Account closed XX/XX/XXXX Still reporting on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2012 XXXX U.S.C, 1681section 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. 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 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 submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this inaccurate account. I think you have not confirmed this information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

i have tried to link my account to both XXXX and also a lender that would automatically deposit the amount requested if I link my bank account. 
The screen that I receive says that PNC BANK has made changes to my account that prevents me from linking the account. I personally have not requested any changes to be made to my account that would not authorize linking my account to other applications.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 


Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/1987 Incorrect
Product: Debt collection

I received an alert that I have a new collection account in my credit report. 
The credit collection company is Transword Systems, INC I spoke with XXXX from the colection agancy and she adviced me to file a police report and fill out the FTC form. 
She also adviced me to contact XXXX XXXX which I did. 

I spoke with XXXX the Customer Service from XXXX XXXX ( Original Creditor Name ) He provided me with the following information : Company : XXXX XXXX Account # XXXX Address the utility was opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Date of service account was opened : XX/XX/year> through XX/XX/year> Amount : {$550.00}
Product: Credit reporting

I have had this XXXX back in 2008 first the account has been closed over nine years ago and they still report it as an open account I am attaching my report, second since this is over 8 years closed this should be taken of my report compeletly
Product: Debt collection

I spoke with Debt Recovery Solutions on XX/XX/2020 about a debt that was placed on my credit report however, I was not clear on whom the debt was with or why I had never received any information concerning this debt. So when I spoke with Debt Recovery Solutions on XX/XX/20 they stated that if I paid the debt that they would send me a letter of  deletion from my credit reports and they stated that they could not tell me who the original debt was with or where the original debt came from. After completing the conversation with this company I did go ahead and make the payment however, I only received a receipt of payment but not the letter of deletion as promised or any indication of who the original debtor was. So I am asking that this information be disclosed to me as well as a letter of deletion of this debt from each of my credit reports.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 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: Debt collection

On todays date of XX/XX/2023 and got a notification from XXXX XXXX. Its a service that lets me know when accounts appear on my credit report. So today I got a notification that an account called LVNV Funding that I never contacted before or have any business with them put a negative remark on my credit report stating I was late for a payment. How could I be late when I dont even know who this business is nor have I ever dealt with them. This is a fraudulent account and needs to be removed asap. I need to be reimbursed for my credit reporting getting negative remarks from this account. This is hurting my well being knowing this account is there hurting me. I was trying to go get a vehicle today and now XXXX cant because of this account. Its on all three of my credit bureau accounts as a collection. Please help me get this removed because its a fraudulent account
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to EQUIFAX. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX
Product: Credit card

XXXX I booked a " XXXX XXXX XXXX XXXX XXXX' at XXXX XXXX XXXX, XXXX, from XX/XX/XXXX to XX/XX/XXXX ( XXXX nights ) through the Citibank travel website, and paid a total of {$1200.00} ( at CITI XXXX XXXX XXXX XXXX DE made on XX/XX/XXXX2024 ). 

Before XX/XX/XXXX I confirmed the booking details with the hotel, and the hotel informed me that they had received the reservation, but my reservation was for a " XXXX XXXX, '' not the " XXXX XXXX XXXX XXXX XXXX I had communicated through the Citibank travel website.

XXXX Upon arrival at the hotel, the front desk confirmed that the reservation they received was indeed for a " XXXX XXXX '' They advised me to contact Citibank XXXX  directly. I called Citibank customer service three times without success : twice the call was dropped after 30 minutes of ringing, and once the call was cut off midway. To stay in the room I originally booked, I was told I would have to pay an additional XXXX yen ( around USD XXXX ) per night to upgrade. 

XX/XX/XXXX I filed a dispute with Citibank, requesting a refund of the difference ( {$55.00} x XXXX ), totaling USD XXXX, for the forced downgrade. 

XXXX Citibanks dispute center rejected my claim, stating that there were no contractual errors. 

XX/XX/XXXX I filed another appeal, and Citibank responded, acknowledging receipt of my supporting documents. 

XX/XX/XXXX Citibanks dispute center rejected my dispute again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I started the process of purchasing a car. I only visited and communicated with 3 vendors. Those vendors are were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. That should have only generated XXXX inquiries on my credit report. I had loan pre-approval paperwork from XXXX, so there was no need to run my credit multiple times with different lenders. However, upon reviewing my credit report, I noticed that XXXX inquires were generated on Equifax, XXXX on XXXX, and XXXX on XXXX. There were some companies that ran my credit 2 to 3 times within 2 days, creating several entries. These inquiries were UNAUTHORIZED. I have disputed with all three credit bureaus with no results. They have told me to contact the companies individually. I have attempted to do so with no results. They have failed to provide any documentation showing they were authorized to run my credit. The FRCA rules state that the permissible purposes for running credit are for a firm offer of credit, employment, insurance, or a court order. None of the above apply to the companies that initiated the inquiries. These inquiries are severely impacting my ability to obtain credit. Therefore, I am respectfully requesting the removal of the following inquiries from my reports : Equifax : XXXX XXXX ( have never even heard of this company ) XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( ran 2 times ), XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Thank you for your assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I asked for the following information that I did not receive on my last request. Please provide me with payment history as well as date of first delinquency and a copy of my last payment for the following account : XXXX XXXX - XXXX Please send me a copy of my credit report showing payment history, and date of first delinquency. Also please include a copy of my last payment. 

If unable to provide please remove/delete account. 

Thank you.
Product: Debt collection

received call from XXXX XXXX who states he is a paralegal who is calling to get a statement from me, he stated I need to call before XXXX and that failure to call will result in lawsuit claim and possible civil action. He left a number of XXXX.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to bring to your attention an issue with my credit report that requires your assistance in resolution. 

Upon reviewing my credit reports, I have identified an inaccurately reported late payment. I have made several attempts to contact the creditor in question to address and rectify this discrepancy, but unfortunately, I have not received any response. 

In accordance with the Fair Credit Reporting Act, I would like to highlight that XXXX  Account # XXXX has violated my rights : 15 USC 1681 Section 602 : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states that a consumer reporting agency can not furnish an 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 purpose.

I kindly request your support in investigating and resolving this matter promptly. Your assistance is crucial in ensuring the accuracy of my credit report.

Thank you for your prompt attention to this concern. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Usaa bank is damaging my credit by reporting my credit card as late eventhough I pay the what I can every month.
Product: Credit card

My wife purchased a drink at XXXX XXXX on XXXX/XXXX/16. Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. EXACTLY XXXX minutes later an online charge of {$310.00} was made to XXXX XXXX, and an online charge of {$1100.00} was made to XXXX in XXXX and another online charge of {$320.00} made to XXXX XXXX was Declined by Wells Fargo. So it appears that 15 minutes after my wife purchased a Smoothie there were XXXX online charges made Fraudulently by a store employee who skimmed my credit card number. I have active Fraud cases open with Wells Fargo for these charges. She returned home immediately after buying the Smoothie so there was no other store purchases by her or myself. I was at work. I do not know who attempted these purchases. I assume they are female because of the XXXX XXXX purchases. So I am unable to provide the information requested above for the name of the person who committed this crime. I want to be refunded {$310.00} back to my card. I myself contacted XXXX to stop the {$1100.00} charge. Wells Fargo is saying they will not refund the {$310.00} because they show it was delivered to my address. It was not. 4 times a year this stuff shows up on 60 minutes where they get tracking info and wait for XXXX to deliver while you are at work.. Anybody can get any address from the name on your CC in 2 minutes from XXXX
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 XX/XX/year> -- {$25000.00}
Product: Debt collection

Debt about XXXX cable opned on XXXX XXXX, XXXX  ( XXXX mos ) Thats not mine and on that month someone stole my info my ssn, name and address
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. Please see attached documentation and meet my demands within 4 business days. Thank you for your timely compliance.
Product: Credit reporting or other personal consumer reports

Kindly block and remove these unauthorized accounts from my credit report immediately. I did not authorize or initiate these accounts and have no knowledge of their source. As outlined in USC 1681g, I formally request their removal within 15 days. Enclosed are the relevant documents for your review and reference.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX  - Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

So I had a XXXX retirement account and a consumer visa credit card and I had an extremely hard time paying my bill because of a hardship. I had quit my job was denied unemployment and still waiting to get approved for social security I neglected to pay my bill and the company would not work with me XXXX credit card my father that past away a year ago had said not to open any accounts with credit cards but I had a really hard time because the advertising was too good too be true I always loved free money when available but nothings free in this world u got ta pay for things and with my XXXX I was struggling to pay my card finally I got it paid in 2  months it was difficult and I closed my account when I spoke to them before I said could u waive the account and they wouldnt work with me Im XXXX  and Im very vulnerable to things so I see things differently than others I have a lot of challenges I have had in my life financially and it put me in a bad place I just thought XXXX would have helped me out and they chose not to I had to suffer and it was hard I had to pull out ot my Ira which I really find it frustrating they charge u to take out of your Ira makes it really hard I dont like to be the bad guy Im usually try and be respectful and responsible but my dad had died that month and it was difficult
Product: Credit reporting or other personal consumer reports

This is my attempt at rectifying a reoccurring issue with Equifax about recording and report tradelines that I been authorized user and the tradelines that I purchased that report to all the other, but nothing been recorded or reported since the unauthorized dispute was done my account without my permission. They are removing tradelines that are reporting as positive but the refuses to remove the fraudulent account are being reported now. None of my new accounts are showing up at all on Equifax the last 4 account have not reported since that unauthorized dispute. I'm trying to buy a house with the repeated mistake and the unauthorized dispute without my permission how can I buy a house. Equifax has not helped me or contacted me as far as resolution to this problem I take this very seriously this my life and legacy someone trying to destroy with no accountability. XXXX XXXX, XXXX, XXXX XXXX are not being reported at all
Product: Payday loan, title loan, or personal loan

Wouldn't verify threw XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I contacted EXPERIAN XXXX & other companies displaying on my credit report TO DISPUTE ITEMS OFF MY CREDIT REPORT DUE TO FRAUD THEY HAD 30 -45 days to remove any negative items they did not they continued to report fraudulent information on my credit report including DEBT, inquiries that I did not consent of I then contacted them certified mail to remove all inquiries and items from my credit report ASAP sent all documentation to prove my identity they did not remove items at all this is unacceptable my concern is to remove all negative debt items and in consent inquiries off my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Security Breech Complaint Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX  residents were also affected. '' XXXX Thread and XXXX Thread " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Attempting to verify identity on site resulted in positive result for data breech, however offered solution is to wait for Equifax to offer identity protection service while giving up any ability to recover losses due to improper usage of data collected via legal methods.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX