23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a natural person, i am a living human being, i have rights under 15 U.S. Code 1681. 
Equifax is govern by 15 U.S. Code 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed. 

1-Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 XXXX Account Information : Creditor Name : XXXX XXXX Account Number : XXXX XXXX Date of Closure : XX/XX/2023 According to 15 U.S. Code 1681 : I have the right to privacy and i did not give equifax written permission to furnish these accounts.
Product: Credit card or prepaid card

On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XX/XX/2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XX/XX/2018 a credit limit was granted, in XX/XX/2018 a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested a 1099c document from the original lender and they told me the debt is charged off i asked why didnt i receive a 1099c form they told me they are no longer in possession of the debt and i need to ask the debt collection company about the 1099 c form. The debt is a charged off debt.
Product: Debt collection

I have previously filed complaints against XXXX XXXX XXXX and they have provided you with false or misleading information, While it is true one of the loan agreements is in litigation, as of this writing it is not in arbitration because XXXX refuses to pay the fees. 

The second loan agreement is not part of any litigation or arbitration and therefore their response is false on its face and they are refusing to engage in arbitration as required under the loan contract. They are obviously not taking these complaints seriously and are providing you with false information. they are also in violation of the Federal Arbitration Act and CFPB regulations. Because of the agregious nature of their acts I am requesting that the CFPB file an enforcement action against Absolute Resolutions and their attorney and collect a civil penalty in accordance with the regulations. 

To be clear, in their response they said that both loan agreements were in litigation. One was and one was  not. Neither are in arbitration at this time. See complaint number XXXX for more information.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the given information with Equifax, XXXX, and XXXX, but unfortunately, the matter remains unresolved to this day. 

Equifax 1. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX  XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/2019 I contacted XXXX XXXX regarding my lease on my XXXX XXXX XXXX XXXX XXXX. I explained to them that every payment is reporting 30 to 60 days late on my Trans Union credit report. They explained to me that they've known about the situation for a long time and that every one of the customers in the customer base is reporting late and that I would have to dispute it on the Trans Union website and they would fix it. My issue with this is I knew absolutely nothing about it being reported late until I was trying to get financing on a new truck. I called them on XX/XX/2019 to see if they had or were going to fix it and I was told they can't do anything until they get paperwork from Trans Union. I did get a printout of my payments showing not one single payment was late. Now that this has happened I have bought the truck but the interest rate went from 6.25 % to 12.25 % until it gets fixed and I refinance the auto loan. My concern is that if it's happened to me with not knowing until I try to get a loan, what about other customers they have that they are doing the same thing to? I had to learn the hard way and I'm now paying more for a truck with interest because of their mess up. Is there anything I can do in this situation?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX. 
XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 






XXXX inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquiry date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

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

I did not authorize nor did I benefit from the below listed inquiries. Whoever authorized these companies to access my consumer report and place these hard inquiries is in violation. I am reporting them, and I want them blocked and removed from my consumer report. 

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/2022 2022
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. I have NEVER requested credit from the following accounts : 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 don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally dispute unauthorized activity associated with my student loan account, identified as Account Number : XXXX, with an original balance of {$20000.00}. My personal and financial information was compromised without my authorization, and I believe this XXXX have affected the integrity of my records. 

Under the XXXX XXXX Rights and Privacy Act ( XXXX ), my student records, including financial information, are protected from unauthorized disclosure or misuse. Given that my information has been compromised, I request a thorough investigation into the security and accuracy of my account records. I also request documentation verifying the legitimacy of this debt and any actions taken on my account/ credit report. 

Please provide a written response within XXXX  days confirming your findings and the steps taken to rectify any discrepancies. If this matter is not resolved and deleted from my credit report, I XXXX be forced to escalate my dispute to the XXXX Department of Education and other appropriate authorities.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX  **** Balance Owed : {$22000.00} XXXX  XXXX Balance Owed : {$9300.00}
Product: Credit card or prepaid card

I received an email from Synchrony that my " XXXX XXXX XXXX '' card was good at other retailers that used XXXX XXXX. The email offered a link to follow to find other valid retailers. XXXX XXXX was listed as one of these. When I arrived at XXXX XXXX they verified that they did use XXXX XXXX so we thought it was fine to used my credit. I had a {$1000.00} credit. 
I bought new tires and had them installed. When I went to pay it would not accept my card. We called Synchrony and they said the card was n't any good there, I needed to have a XXXX XXXX  credit. I explained that the email that they sent me listed XXXX XXXX. Synchrony would not accept my valid credit. I asked to close the current account and reopen in XXXX XXXX. They closed my account and then refused/denied to open a new one. So not only did I have to endure humiliation of my credit not going through, but I lost my line of credit completely. 
The email was very clear, and XXXX XXXX was listed as a valid vendor. 
I could have lost my car ( because XXXX XXXX would have held it until it was paid ), my job ( for lack of transportation ), and everything I have- all because of false advertising. And this is a very clear case of false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are UNKNOWN to me. This is disappointing because I have been disputing fraud items on my credit report all this time. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which are opened without my knowledge, consent or authority. I am expecting that these items be removed immediately : 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

I recently just tried to purchase a house and was denied because of unauthorized inquiries on my credit report and its stopping me to aquire credit which means its stopping me for buying a home this matter has been stressful and depressing I am now homeless and need these inquires off my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was over charged on this collection that has already been resolved by the courts. I have the letter to prove that it has been satisfied.
Product: Debt collection

The Collection agency in question is based in my office building, Columbia Credits Inc. My dog had a run in with another dog in the parking there lot and although it was abundantly clear no damage was done, they took the dog to the vet are now attempting to charge me for the consultation and some XXXX medicine the dog received. They think because they are a collection service they can serve me with a bill and are threatening that they 'll take me to court over it. Please help, I signed no agreement to pay any money, I owe nothing, they are just clearly quite ok with blatantly breaking the law.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Transunion data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts DEPT OF EDUCATIONXXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, TRANSUNION DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Honorable XXXX XXXX Attorney General, I am writing to bring to your attention a matter of grave concern regarding the persistent inaccuracies and inconsistencies in my credit report as maintained and disseminated by XXXX, Experian, and multiple secondary credit reporting agencies. 

Despite my diligent efforts since XX/XX/XXXX ( over 316 days ), involving over 100 letters of dispute, complete with legal documentation and personal identification, my requests for correction have been egregiously disregarded. This letter serves as a formal complaint against the aforementioned agencies for their failure to adhere to established credit reporting standards and their blatant disregard for consumer rights. 

Included with this letter is a document from the Bankruptcy Court in Texas dated XX/XX/XXXX clearly stating its policy of non-reporting to credit bureaus. This pivotal piece of evidence has been repeatedly submitted to the credit bureaus, only to be met with unfounded allegations of forgery and unreasonable demands for personal information already provided. 

The reporting of a public record on my account is in direct violation of the CDIA 1997 Reporting Standards and Metro2 compliance, underscoring a flagrant abuse of my rights and a lack of data integrity. The inconsistency in reporting between Experian, XXXX, and XXXX, particularly the unique discrepancies noted in Experian 's records, highlights a systemic issue that undermines the credibility and functionality of the consumer credit reporting process. 

Furthermore, Experian 's repeated requests for verification of my credit information, suggesting unauthorized submission, is a tactic that has unduly delayed the resolution of these errors for 316 days. This practice is not only unethical but also illegal, stalling consumers ' efforts to rectify inaccuracies on their credit reports. 

I hereby cite three significant legal cases where consumers, faced with similar grievances, sought justice against Experian and prevailed : XXXX. XXXX XXXX XXXX v. Experian Information Solutions Inc . XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ) XXXX. XXXX XXXX. Experian XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ) XXXX. XXXX v. Experian XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ) These cases underscore the legal precedent for holding credit reporting agencies accountable for their negligent practices and the significant impact such errors have on consumers ' lives. 

I demand a thorough investigation into these matters, the immediate correction of my credit report to remove the inaccurately reported public record and all negative items, and compliance with my legal right to access my credit information without incurring fees. The current model, where consumers must pay to access their own informationinformation that is then sold for profitis unacceptable and demands reform. 

I look forward to your prompt attention to this matter and expect a resolution that restores my credit report 's accuracy and integrity, safeguarding my rights as a consumer. 

Sincerely, XXXX XXXX
Product: Debt collection

Referring back to my complaint with Equitable Acceptance, complaint number XXXX, the company responded saying I DO NOT OWE THEM. Yet i am still receiving phone calls and emails that need to stop. My credit reports have yet been updated with them being no longer on there. The credit bureaus said they would have to contact them themselves and remove it from my credit reports. I have proof of the voicemails and emails that still keep coming to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$4500.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX   XXXX not mine
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I have over {$5000.00} sitting my PayPal account and they told me I will need to wait 6 months to get the funds out. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is " XXXX '' I really need my money for personal finances and to pay my mortgage. Please help.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.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 - Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The XXXX findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.