23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/XXXX, there is some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an Initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. 
Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following names as my TRUE name can be verified on my supporting Identification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Omit the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Omit the following inaccurate phone numbers : ( XXXX ) XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removing the aforementioned information in a timely fashion. 
Without Prejudice, All Natural Inalienable Rights Reserved Sincerely, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX The State of South Carolina expunged a tax lien after I complained that I was in communication with the state to investigate the accuracy of the amount owed, this was because I had to dispute the same year ( XXXX ) tax return with the IRS. In summary, the amount was settled and they issue the expungement. They stated to me " All I have to do is send the letter to all three credit bureaus and they will remove the public tax lien off my credit report ''. I disputed the public record with all three bureaus, XXXX ( confirmation XXXX ) and XXXX ( confirmation XXXX ) deleted the tax lien public record with no issues, Equifax did not after three attempts to resolve, to include calling-in and speaking with a representative who stated that it should be removed. The third dispute was completed XXXX/XXXX/XXXX ( confirmation XXXX ) with a result of verified again. I 'm not sure what else to do other than file this complaint. Please assist me with this and I look forward to your response. 

Thanks.
Product: Debt collection

I have had this phone number for about 2 weeks. This Capital One Auto company has called every single day sometimes more than once a day looking for someone im assuming who used to have this number. Ive tried to contact them back but its not allowing me to speak to anyone unless I have an account with them. I do not have an account with this company so there isnt anyway to let them no im not who they are looking for. Im usually working and cant answer when they call. I have blocked this number but they are still calling leaving voice messages. This company needs to remove this number from their call list they are a very annoying company!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

ACCOUNTS XXXX. XXXX XXXX XXXX Account # XXXX Balance {$430.00} Date XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX XXXX {$220.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX {$810.00} Date XX/XX/XXXX XXXX. XXXX  XXXX XXXX Accounts # XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account # XXXX XXXX {$8900.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$760.00} Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found 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 pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXXXXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit card or prepaid card

Citibank Financial services is claiming that I have serious delinquency on my XXXX  Credit Report, but I have no serious delinquency accounts or collections accounts. Citibank has and will not answer my phone calls. I have contacted XXXX and XXXX, and they have no information regarding my accounts being late or charged off. I spoke to XXXX at XXXX and they were incredibly rude and absolutely refused to give me the identification number for the call and continued to degrade and offend me. They had a serious attitude and would not help in anyway. They tried to connect me to the disputes department multiple times and I said I did not want to talk to them until I obtained the identification number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts below, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX XXXX + {$9100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX XXXX  + {$970.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX XXXX + {$140.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX XXXX + {$9400.00} Needs Attention XXXX Reported : XXXX XXXX XXXX + {$450.00} Needs Attention Company also failed to update me in writing results of dispute. Continues to report inaccurate information.
Product: Credit card

We ordered a solar pool cover from an online company called XXXX on XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX York, NY XXXX 
Email XXXX XXXXXXXXXXXX. No phone number provided. 
An email response was received that same day, informing us that the item would leave the warehouse within XXXX. We had requested, and paid for " rush processing ''. 
After XXXX days, without any further contact from this company we inquired when our item would be shipped. The response was that this was a special item, manufactured to specification and that we should be patient. After XXXX days, no shipping info, so we contacted them again. At that point they told us that it would be best if we cancelled the order, to which we agreed, provided we got a full reimbursement on our credit card. 
The next day, the company informed us that the item had been shipped and if we refused delivery they would withhold a 25 % " restockingfee ''. 
We did not agree with that and informed the company accordingly. Now they have informed us that the restocking fee is 75 %. 
As we suspect internet fraud, we kindly ask your agency to look into this. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ID FOR COMPLAINT SENT TO XXXX XXXX
Product: Bank account or service

My dispute involves transactions from a XXXX. Money was deposited into an account with them using my debit card linked to my checking account. After receiving my money, XXXX closed my account and walked away. They stole my money. XXXX is a scam! I just want my $ XXXX back. I 'm not going to let this go!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to express my frustration with Transunion 's handling of my dispute letters regarding two accounts that are inaccurately reporting on my credit profile. Despite my repeated attempts to have these erroneous accounts removed, Transunion has failed to conduct a proper investigation and take action to correct the reporting. According to 15 U.S.C. 1681, which is the Fair Credit Reporting Act ( FCRA ), a federal law that regulates the collection, dissemination, and use of consumer credit information, credit reporting agencies such as Transunion are required to ensure the accuracy of the information they report on consumers. 

As previously stated, I have filed an FTC report, Identity theft report # XXXX, affidavit of truth, and provided exhibits to demonstrate that these accounts do not belong to me. However, Transunion has continued to report these unverifiable and invalidated items, which are causing serious harm to my credit scores and denying me access to credit. They have violated 15 U.S.C. 1681i, which outlines the procedures for disputing inaccurate information on a credit report, and 15 U.S.C. 1681i ( a ), which requires credit reporting agencies like Transunion to investigate disputes and correct any inaccuracies on a credit report within 30 days. 

The specific accounts in question why they are still on my report are XXXX XXXXXXXX - XXXX for {$860.00} ( removed by XXXX XXXX ), and XXXX XXXX XXXX XXXX for {$2500.00} ( removed by XXXX XXXX XXXX. It is unacceptable that these accounts have not been properly investigated and removed from my credit profile .All credit reports must report the same and accurate information, and XXXX removed the account so Transunion needs to do the same. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Transunion for their violation of the FCRA. Specifically, Transunion has failed to comply with 15 U.S.C. 1681c ( 4 ), which requires credit reporting agencies to delete information that is inaccurate, incomplete, or can not be verified after a reasonable investigation. They have also failed to comply with 15 U.S.C. 1681e, which requires credit reporting agencies to have procedures in place to ensure maximum possible accuracy of the information they report on consumers. Additionally, Transunion has violated 15 U.S.C. 1681s-2, which outlines the responsibilities of furnishers of information to credit reporting agencies such as XXXX XXXX. Both accounts show different dates opened and different high credit limit, which is also a violation, which i explained in my prior dispute on I request that Transunion be held accountable for their noncompliance with the FCRA and that they take immediate action to correct the inaccuracies on my credit profile. I also request that the Consumer Financial Protection Bureau ensure that Transunion is following all applicable laws and regulations related to the accuracy and integrity of credit reporting. Thank you for your attention to this matter. 

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

I submitted complaints with each credit reporting agencies about these issues and asked for removal of the inaccuracies. I started with the agencies first then came here and added complaints. And still inaccuracies remain including not reporting at all to one bureau in which a representative let me know they do not report to all bureaus. below I have all a XXXX XXXX report that shows all the inaccuracies on my consumer report still not corrected and adding detriment to my file by putting collections on my repeort which is consumer experience and shouldn't be on file anyway per my first complaint 15 usc 1681c. section 604 a 5 section 2XXXX referenced in complaint XXXX XXXX experian
Product: Bank account or service

XXXX tellers to assist all customers on XXXX of the busiest days of the year, XXXX XXXX XXXX XXXX. Waited more than an hour to make a withdrawal.
Product: Debt collection

I KEEP GETTING THREATENING LETTERS FROM A DEBT COLLECTOR, LAST YEAR THEY THREATENED TO PLACE A LIEN ON MY VEHICLE, THEN THAT SAME YEAR THEY CONTACTED ONE OF MY CREDITORS AND INQUIRED WHY WAS I GIVEN CREDIT THIS YEAR IN XX/XX/XXXX THEY HAVE TRIED TO FREEZE MY BANK ACCOUNT AND NOW THEY HAVE CONTACTED MY EXEMPLOYER ASKING FOR PERSONAL INFOMATION.. I HAVE NOT BEEN ABLE TO WORK SINCE XX/XX/XXXX. I AM XXXX XXXX AND TAKING MEDICATIONS EVERYDAY TO BE ABLE TO MOVE AROUND..
Product: Credit reporting or other personal consumer reports

I dont know whats going on with these reporting agencies, or if they have some fraudulent stuff going on. My score on all reporting agencies is changing all day every day. They send me results the accounts is being removed ; then they put it right back on the report the next day. My accounts are suppose to be frozen. My FICO score is informing me of the changes. I took a picture yesterday, then over night I got a message changes was made. At this point Im thinking its the reporting agencies. XXXX will not allow you to look at your report unless you pay. Ive updated my information with XXXX somehow the information changed, not allowing me access my account. XXXX XXXX has incorrect information as well. They claim they get their reporting from XXXX. These agencies will make sure they keep you in poverty ; even when the proof is provided. Ive asked them on numerous occasions to remove information thats not related to me. Ive updated my ID, SSN, and provided a bank statement to XXXX as proof this information is incorrect. They rejected the information. These are government IDs and SS card. My information is exposed and everyone has an opportunity to create hardship for my family and me.
Product: Money transfer, virtual currency, or money service

Please see initial complaint XXXX for initial details. 

You informed me that you have the companies reply to my first complaint letter and closed the case. 

However, I do not feel that their reply to my complaint was accurate and did not address an important concern I documented. 

I have attached my additional reply/complaint related to M & T bank for your review which supports my contention that M & T bank did not adequately perform their duty to protect me from fraud.
Product: Payday loan, title loan, or personal loan

Account was sent to collections but still reporting as open on my credit report. I tried to file a dispute with XXXX and they still are stating that it is accurate and not closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE NOT INITIATED BY CONSUMER ( 2 ) LIMITS ON INFORMATION RECEIVED UNDER PARAGRAPH ( 1 ) ( B ) ONLY ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 
On XX/XX/2023 ChexSystems violated my rights, and broke the law, according to The Fair Credit Reporting Act, two times. According to the law cited above the first offense and violation came when ChexSystems shared my personal experiences with another entity and without my consent. The second violation of my rights, and the law actually came on two separate days. According to The Fair Credit Reporting Act, ChexSystems failed to disclose my consumer report when I requested it on XX/XX/XXXX. On XX/XX/XXXX I requested my consumer report a second time from ChexSystems. This violates the law stated below.

15 U.S. Code 1681g - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. 
I XXXX am also attaching a invoice for Actual and Statutory Damages. I will also provide proof that ChexSystems Shared my information without my consent and the damage this shared information caused.
Product: Payday loan, title loan, or personal loan

I went to XXXX on XX/XX/XXXX, to purchase a washer and dryer and was presented by the sales representative that I could lease it instead of paying the entire amount all at once. I was approved for a little over {$1800.00}, once I received my lease agreement I still assumed that my lease was no more than {$1100.00}. Once I reached my 5th payment I thought that my bill total will be completed taken the washer and dryer was only {$1300.00}. I contacted the customer service number and the guy was saying once I reached my 5th payment I could buy out the purchase or continue to lease it. So I asked how much is owed he went on to transfer me to someone who would be able to assist. After being transferred to numerous people, the line was disconnected. The next morning ( XX/XX/XXXX ), I sent an email requesting a payoff amount with no response, a couple days later I sent another email requesting a payoff amount as well as stating that after adding up the total amount of payments made through XX/XX/XXXX, my total purchase would be {$4000.00}. That was looking at the payment schedule that was posted on my account. 
I think this company is very misleading. I filed for bankruptcy and as my attorney was reviewing the lease agreement, he couldn't make out the terms saying the contract makes no sense at all.
Product: Credit card

XX/XX/scrub>XX/XX/2024 - According to XXXX, a new credit account lent by Capital One was opened on my account. This account was opened fraudulently. 

XX/XX/scrub>XX/XX/2024 - The date XXXX XXXX provided over the phone for the opening of the fraudulent card. 

XX/XX/scrub>XX/XX/2024 - I received an alert in my XXXX Inbox that this card 's balance overextended its credit limit of {$2000.00} by {$3.00}. 

XX/XX/scrub>XX/XX/2024 - I received an alert in my XXXX Inbox that this card 's balance payments are overdue by 30 days. 

XX/XX/scrub>XX/XX/2024 - I'm alerted by my sister and my brother of similar fraudulent events occurring with their identities, they encourage me to investigate my own, and I discover all the information listed above. 
I attempted to call Capital One, who required the last four digits of the card for me to get anywhere with their caller system, which I did not have because, obviously, I'm not in possession of that card. 
I called XXXX, my bank, who could not help much as the fraudulent card was opened with Capital One, not with XXXX. 
I called XXXX, who could not help me outside normal business hours. 
I called XXXX XXXX, who provided me with the full 16-digit credit card number, confirmed the existence of the suspicious address on the account for me, and told me the card was opened on XX/XX/2024. 
I recalled Capital One, now that I had the full credit card number, where they filed the card as fraudulent for me, couldn't comment on the date the card was opened, confirmed that purchases were made in XXXX XXXX, Florida ( the location of the suspect address ), made list of my two suspected individuals, and directed me to this website. 
And now I'm here. : )
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

Before retiring from my XXXX Job I neglected to change my email address so that I could update my Pay Gov account to renew my Auto Pay for 15 months. When I realized that I had over looked changing the email from my work to my home email in the mean time my SBA Loan was turned over to collections, and not like I did it on purpose I offered to pay the two months and bring the loan current, and I was told that I could n't and they would start off-setting my Social Security and my Retirement pay, plus any other pay I get. So with the Gov. offsetting everything I get I 'm getting calls monthly, weekly, daily from CBE Group Inc to collect on a debt that is already being paid every two weeks, and every month. I have asked them to stop calling because I 'm not paying anymore that is already being taken which turns out to be almost {$500.00} a month in offset. 4 times more than what the original loan payment was.