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.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi there, I have contacted this company ERC multiple times, asking them to remove the {$160.00} charge for internet service from my credit. I do not owe them any money. I have spoken to XXXX XXXX XXXX on two occasions and both times they have told me that the debt has been/will cleared because I am a long standing customer. 
XXXX XXXX XXXX has shady business practices, if one moves apartments, they create a new account for you and never cancel the old account. 
My original account was with XXXX XXXX XXXX. 
I have picture evidence from both the XXXX XXXX XXXX chat, XXXX and XXXX credit bureaus. All have told me that the charge has been removed from my credit. 
XXXX has yet to remove it from my credit report. 
XX/XX/2020, is the 1st time, and XX/XX/2020, is the second time I spoke to XXXX XXXX  XXXX. XX/XX/XXXX I got a letter from ERC about my debt to them. This is ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies with the following accounts have violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX  ( Original CreditorXXXX XXXXXXXX XXXX ) Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an elderly lady who doesn't check my credit report a lot but when my child showed me how I realized someone rented an apartment using my name, The name of the creditor is XXXX XXXX XXXX they are on my credit report 3 times with a total debt of XXXX which is not mine. Also there were several hard inquiries on my report XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX DBA XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX XXXX : {$190.00} XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/year> Reference XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00}
Product: Credit card or prepaid card

I previously submitted the following complaint : I applied for one credit card with US Bank on XXXX XXXX, XXXX. The bank ended up submitting 4 credit inquiries on my XXXX  credit report. The dates of the hard inquiries were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, I received a response from the Office of the President. I 've attached the letter. In essence, it states that the offending inquiries have been removed. However, this is not true. I ran my most recent XXXX credit report. As of XXXX/XXXX/XXXX, the following inquiries still appear on my report : XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please remove these inquiries ASAP.
Product: Credit reporting or other personal consumer reports

Hello and good day, please read this complaint seriously. My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureau is reporting inaccurate information and unauthorized inquiries on my credit reporting this matter has been disputed and brought to their attention on many occasions it also have been removed and placed back on the credit report under different collection agencies. I am trying to keep a good credit history I pay my bills on time on a fixed income please give this matter your attention so I can enjoy things in life like all other individuals.
Product: Checking or savings account

I was a victim of fraud on XX/XX/2023. Someone pretending to be XXXX XXXX got into my phone and payed themselves {$1000.00} from my Citizens accounts. {$500.00} was paid through XXXX, which I have never used in the past. I was refunded that {$500.00} from Citizens and that case is now closed. The other {$500.00} was through XXXX XXXX, out of my citizens checking account, which I also have never used in my life. It was paid to a foreign name, not a business. I received a {$500.00} refund from Citizens for XXXX fraud, but 1 month later, they took it back claiming XXXX said fraud did not happen. I have no idea how XXXX XXXX would know that, they weren't the victim, and they also had no idea another {$500.00} was stolen and already refunded by Citizens. I called Citizens over and over and over. They kept telling me it was denied, I wasn't getting my money back and there is no way for consumers to get in touch with the fraud department. I asked over and over for a call back from the fraud department to explain that within a few minutes, this person stole {$500.00} and {$500.00} from me and they approved the refund for the XXXX {$500.00} and not the XXXX XXXX. II never received a phone call. They were within minutes of each other to the same name. Again, they said it was because XXXX XXXX claimed there was no fraud, but I have absolutely no idea how XXXX would know that. I also don't think it is fair that Citizens refunded me the {$500.00} for XXXX, but took it back a month later. I was a victim and I cried for hours over this. I never used XXXX or XXXX money ever in my life. I changed all of my cards through Citizens. I still use Citizens because all of my bills are paid through them. I intend on switching banks if this does not get resolved. I have been a customer with them for over 18 years and this is not how you treat your customers. {$500.00} is a lot of money for me and my bank should protect me if fraud happens through my accounts with them. I am very unhappy with them, this situation and their customer service for fraud issues.
Product: Credit card

I received at least XXXX emails regarding a credit card that was activated in my name, which I do not have and did not apply for.
Product: Debt collection

After paying all the back charges of XXXX XXXX Benefits Fees to XXXX XXXX, XXXX in XX/XX/XXXX, a satisfaction letter was received from Pickett Law , LLC in XX/XX/XXXX after I filed a motion to the court to mark the judgment satisfied. A new annual amount of {$750.00} was due XX/XX/XXXX. XXXX XXXX, XXXX sent an overdue letter on XX/XX/XXXX with late payment charges of {$75.00} each for not paying on time in XX/XX/XXXX and then XX/XX/XXXX. Therefore, XXXX XXXX, XXXX recorded the new amount on their dated XX/XX/XXXX ( received XX/XX/XXXX ) was {$900.00}. No where on that letter indicated that my new annual amount would be turned over to a debt collector if not paid before XX/XX/XXXX. On the letter, XXXX XXXX, XXXX instructed me to pay them directly. On XX/XX/XXXX, The debt collector, Pickett Law , LLC left a letter on the door of my home address on XX/XX/XXXX threatening to place a lien on my property for incorrect dates of XX/XX/XXXX - XX/XX/XXXX ( remember the new annual isn't due til XX/XX/XXXX for the new year of XXXX ). Also, Pickett Law , LLC added attorney fees and fee for the letter placed on my door. When I emailed Pickett Law , LLC and cc 'd XXXX XXXX, XXXX contesting these additional charges, Pickett Law , LLC states a " certified letter '' was sent by process server. This is not factual. I said I plan to pay {$900.00} on XX/XX/XXXX because I do not believe I should have to pay these additional fees 9 days after an overdue letter on XX/XX/XXXX. Pickett Law , LLC claims debt collection will continue until they get the full amount. XX/XX/XXXX, I paid {$900.00} directly to XXXX XXXX, XXXX as instructed by XXXX XXXX, XXXX. Can you help me? Pickett Law , LLC has overcharged me in the past and has taken advantage of my illness to not being able to come to court. I don't want it to happen again. For example, they sued me for XXXX in court but collected over {$4000.00} from me. This company never update the courts with any of my payments until I took action.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against the 3 credit repair agencies for reporting fraudulent accounts and transactions on my credit report, which were made without my consent or authorization. These entries were not made with my permission, and I believe they are a direct result of identity theft. Despite my dispute and efforts to resolve the matter, the fraudulent information remains on my credit report, which is causing harm to my credit score.

This situation violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which prohibits the reporting of information without the consumer 's consent, and 15 U.S.C. 1681c-2, which mandates the removal of fraudulent information resulting from identity theft. Additionally, this is a violation of the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), which makes it a federal crime to use someone else 's personal information without their consent.

I demand that the fraudulent accounts and transactions be immediately deleted from my credit report. Failure to take action will result in further legal action and a formal complaint with the CFPB. 

I request that the CFPB : XXXX XXXX, XXXX XXXX and TransUnion for reporting fraudulent information without my consent and failing to address the issue. 
-Ensure that the unauthorized accounts and transactions are immediately removed from my credit report. 
-Enforce the relevant federal laws protecting consumers against identity theft and unauthorized use of personal information. 


Thank you for your prompt attention to this matter. 

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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or adjust the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Charged for sales tax on XX/XX/2023 for unknown reason and nobody will help me at Citibank, the card issuer. There was no purchase made so how is there sales tax on a ghost item?
Product: Credit reporting

all XXXX burs are still reporting items over 7 yrs, XXXX reported to your agency that the item in question was remove and was reported to all XXXX burs that the item was paid XXXX which the banks used still have a item XXXX. when this was paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I written letter in the past asking Experian to provide me method of verification of alleged debt and nothing has been provided tome. No proof of evidence with my signature or promissory notes proven the alleged debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX XXXX XXXX asking them to show proof of validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt XXXX XXXX XXXX. NOT who they have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). They responded and could not prove that i indeed owe a debt to XXXX XXXX XXXX. They are collecting for a company I have business with not them. With no signature of mine with XXXX XXXX XXXX. Account # XXXX
Product: Debt collection

I entered into an agreement with Radius global the company that XXXX XXXX hired to collect a debt for a vehicle that was reposted. The agreement was to make three payments in the amount of {$1400.00} totaling {$42000.00} to settle and close the account. Payments began in XX/XX/2019 with the first payment in XXXX, second payment in XX/XX/2019 and the final payment was made in XX/XX/2019. I received a letter from Radius Global solution via email and standard mail stating my account has been resolved and closed in XXXX. I contacted both Radius and XXXX XXXX to have the information updated correctly. 

My issue is the information that XXXX XXXX is reporting to the credit bureaus does not accurately reflect the agreement made between me and Radius global and it also indicate son my credit report that I still owe XXXX XXXX  {$6300.00}. I made three payments in XX/XX/2019, XX/XX/2019 and XX/XX/2019 on time as agreed with XXXX XXXX however XXXX XXXX reported all three of those payments to the credit bureaus as a failure to pay. Currently the account on my credit report also indicates a past due balance of {$6300.00} despite the fact that I have resolved and paid the full amount all involved parties agree to. 

I am requesting that XXXX XXXX remove the account in totality from my credit report with all three crediting reporting agencies.
Product: Vehicle loan or lease

My identity was used to accumulate fraudulent charges on an account that I did not authorize, my information was attainted without my knowledge, and my personal information was used to attain fraudulent accounts that I had no prior knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XXXX ( CREDIT LIMIT {$170.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act Convergent Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Credit reporting or other personal consumer reports

RE : DISPUTE OF INACCURATE INFORMATION CHARGE-OFF ACCOUNT To Whom It May Concern, I am writing to formally dispute the accuracy of information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing a charge-off account listed with the following details : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurately reported, and I believe it should be removed for the following reasons : 1. Lack of Proper Verification ( 15 U.S.C. 1681e ( b ) ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information contained in credit reports. This account has not been properly verified as accurate or complete.

2. Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the reporting agency must reinvestigate any disputed item and promptly delete or modify the information if it can not be verified as accurate. I am requesting a reinvestigation of this account, and if it can not be verified, it must be removed from my credit report.

I request that you : Investigate this matter in compliance with the FCRA.

Provide documentation verifying the accuracy of this account or delete it from my credit report.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

I closed on a house recently with PRIMELENDING A PLAINSCAPITAL COMPANY. During the disclosures, the loan agent ( XXXX XXXX ) asked me to sign another disclosure without clearly explaining the reason for it. I signed it and asked the agent on the phone why some charges were higher. He indicated that these charges will be adjusted in the final disclosure. He never indicated to me or disclosed to me that those charges were for a rate lock extension and will never be taken away. Finally, a couple of hours before the closing time on the closing date, he mentioned to me that he can not take those away because they were for the rate lock extension. 

Upon closing, I raised this issue with his boss ( XXXX XXXX ) to get a refund for the charges that I should have never paid. He pointed that I would have to provide written proof of XXXX XXXX agreeing to the rate lock extension charges being waived. I provided him what I could find at the moment. But was asked for more written evidence. He did not agree to provide me with a refund of the interest rate lock extension fees.
Product: Credit reporting or other personal consumer reports

XXXX IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO CALLED AND SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING 100 PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE 100 PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE { XXXX } ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 


FAIR COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

THIS ACCOUNT IS NOT MINES AND IS NOT REPORTING ON ANY OTHER CREDIT AGENCY. I DO NOT OWE THIS DEBT TO TO XXXX XXXX  XXXX. AND I DO NOT HAVE A CONTRACT WITH FAIR COLLECTION WHICH IS A DEBT COLLECTION COMPANY. IVE CALLED AND ASKED FOR ACCOUNT TO BE VERFIED WITH MY WET SIGNATURE ON A CONTRACT AND THEY NEVER SENT IT.PLEASE DELETE