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 168b permissible purposes of consumer reports. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

{$250.00} a Disputed Debt with XXXX. XXXX  was guilty of Breech of Contract & is TRYING to use collection agencies in an attempt to extort the amount from me. I send a dispute letter to the collection agency & they choose to not only ignore it but to put it on my credit report. This is not only unethical but illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being a natural person and I have rights under the Fair Debt Collection Practices Act. XXXX and SunTrust XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. 

SUNTRUST XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact XXXX and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. 

Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The documents attached provide all info. I have unrecognized and unauthorized inquiries. 

I would like them removed.
Product: Credit card or prepaid card

Applied for secured Business credit card and getting the run around about the process
Product: Credit reporting or other personal consumer reports

The late payments do not align with my usual payment pattern.
Product: Debt or credit management

On XX/XX/year> I signed an agreement with ASAP  Credit Repair to perform credit repair services. The XXXX XXXX XXXX would include XXXX rounds. I paid an upfront fee of {$140.00} and then a remaining balance of {$550.00}. I paid them a total of {$690.00} for their services. On XX/XX/year> I received email confirmation from XXXX  that the XXXX round had been submitted. After this I didnt receive any follow ups so I contacted them on XX/XX/XXXX I received confirmation my XXXX round had been submitted and I was told my XXXX and final round would be submitted on XX/XX/year> and final result should be received in by XX/XX/year>. 

Between XX/XX/XXXX through XX/XX/year> I received no follow ups or communication from them. 


On XX/XX/year> I sent an email and spoke via phone to their customer service rep about getting a full refund. Because no resolution had been provided. No updates or overview were provided to me for the remainder of the service. As it turned out the XXXX round was never completed. XXXX  only serviced me for XXXX round and after they received my final payment, they completely forgot about me and my account. 

Ultimately, I dont believe I received a fair service from ASAP  Credit Repair XXXX I was charged hundreds of dollars for practically no service at all. After learning about CROA Ruling : No payment in Advance I chose to file a complaint in hopes of informing anyone who is thinking about signing up for their services. As per XXXX XXXX XXXX XXXX XXXX ruling : XXXX  must fully perform the promised services before receiving payment. 


I tried talking to XXXX  and got nowhere with them. Every response I received from their customer service was very XXXX sided. It felt like I was talking to a machine instead of a person. The communication did a complete XXXX in comparison to how I was initially greeted. I have disputed the claims with my bank to no avail. Next steps will be to seek legal counsel which will take time and money. 

I hope this serves as a warning to anyone. A deterrent for scams such as these. I can honestly say Ive learned my lesson.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with TransUnion regarding XXXX XXXX, it is now XX/XX/XXXX and that dispute is still open I also mailed A certified letter to the company requesting deletion of my credit report since it is not my account, they have not responded. On XX/XX/XXXX I called TransUnion and asked for this account to be deleted since the company never responded to them or myself and the rep hung up the phone. I called again every day since and each time a rep hung up. Yesterday XX/XX/XXXX I called and spoke with a woman gave her the file number and she said she see it has been more than 30days then put me on hold and hung up. I called right back and spoke with XXXX another rep who said the same thing but told me the account was closed so not to worry about it. I expressed I did not care whether it was closed I wanted the account off my credit report he then placed me on hold and hung up. It is now XX/XX/XXXX and this account still sits on my credit report with no update from TransUnion. Well over the 30day mark. File number XXXX
Product: Vehicle loan or lease

On XX/XX/2023 for the auto loan amount of {$60000.00}. Navy Federal Credit Union sent me an statement of credit denial. The letter states that the reasons for my denial are " delinquent past or present credit obligations with others & income insufficient for amount of credit requested '' as well as information received from XXXX XXXX on my consumer report, which is false, misleading, and a inconvenience.
Product: Payday loan, title loan, or personal loan

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A personal credit card account opened with XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

A collection account with XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( XXXX ). 

A student loan account opened with XXXX on XX/XX/XXXX under the account number ( XXXX ). 

An inquiry from XXXX XXXX XXXX on XX/XX/XXXX An inquiry from XXXX XXXX XXXX on XX/XX/XXXX An inquiry from XXXX XXXX XXXX on XX/XX/XXXX Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Company name is First Financial Resource, amount for {$1600.00} and {$2600.00}. I have sent collection agency a debt validation several time with no response and collection agency reported this to my credit reporting agency. This two item is not mine.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXXXXXX ....
Product: Debt collection

Midland Credit Management has contacted me over the phone incessantly. They then sent a letter in the mail threatening legal action if I did not respond to their letter within 30 days. Also, this company never verified my identity or that the debt belonged to me.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX 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

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Checking or savings account

I am a victim of the XXXX fraud activity, my checking account with Bank Of America have been linked to the XXXX digital wallet and data compromised. Funds were transferred to XXXX and account blocked to enable withdraw or reverse. 
I have opened the dispute with XXXX, but there is no help or clear respond what happening. I have opened the dispute with Bank of America, and freeze the account for investigation. However, Bank is not willing to protect my right- but saying that it is my responsibility with XXXX. I have called to the Bank to report for the suspicious activity, have called to XXXX to stop the transaction. There is no cooperation from both XXXX and Bank, but my funds are stolen wallet to wallet. As of now, I don't have access to my funds in XXXX and I never was able to reverse the transaction on Bank side. 
ACH transactions : XX/XX/XXXX = 5000USD XX/XX/XXXX = XXXX XX/XX/XXXX = 1000USD XX/XX/XXXX = 1000USD XX/XX/XXXX = 16000USD XX/XX/XXXX = 15000USD XX/XX/XXXX = XXXX XX/XX/XXXX = 15000USD
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. XXXX XXXX XXXX  Revolving with account # XXXX, XXXX XXXX XXXX Revolving with account # XXXXXXXX XXXX XXXX A with account # 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: Checking or savings account

Square ( already under investigation by the Feds ) has essentially stolen my money and frozen my ability to do business! For NO reason!

Square has frozen its platform so that I can not use it without warning. It froze all of my funds and likewise did not notify me of this despite the fact that it forced me to jump through hoops falsely representing that I would receive my funds.

No such thing happened. Despite numerous requests and hours on the phone and through the portal, I have not been given ONE reason for all of this improper and unlawful conduct.

I would like the XXXX XXXX XXXX owed to me to be disbursed immediately ( which I apparently can not access through the Square checking account as was indicated when I signed up for the account ).

I find Square 's business practices to be onerous, unlawful, and constitute unfair business practices. 

Please provide me a record of all transactions and interaction and your findings so that I may use it in litigation against this company. 

Please provide me with the reasons why Square froze my account over the course of almost an ENTIRE YEAR leaving me with NO ACCESS to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My Credit Card/Credit Line Debt balance is showing incorrect.. 
Also, the late payments are inaccurate for XXXX XXXX for XXXX, XXXX XXXX XXXX  for XXXX, XXXX XXXX XXXX ( XXXX ) There are other discrepancies also, but this is a good starting point.. 
I have excellent payment history yet not getting approved due to the low score XXXX keeps showing..
Product: Credit card or prepaid card

I have had this card for many years with absolutely no late payments. In reviewing my statement, I noticed that this company showed I was late and I immediately reached out to them and told them that it was an error on their end, however, it was to no avail because they refused to remove the late. This late payment that they are reporting has dropped my credit over 100 points. I have gone back and forth with the company and at this time, I've exhausted my efforts and felt it was time to just make a complaint against them and report them. I have never been late and demand that this error on their part be corrected.
Product: Money transfer, virtual currency, or money service

PayPal XXXX XXXX XXXX - Customer Helpline XX/XX/year> email invoice for {$1000.00} for XXXX XXXX Customer XXXX XXXX I called the above number. I did not give them my name or address but they had it. 

I am XXXX, should have been leery
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent auto loan was opened in my name and now Bank of America is reporting a fraudulent loan on my credit report.
Product: Checking or savings account

In XXXX my account was a target of a scam. The scammer looked like a legit business and requested my account information, which I provided. 
The scammers drained my account until it was overdrawn. I voiced the issue with my bank at the XXXX XXXX XXXX a bank employee said I just needed to close the account and open another one. 
Days later, I received a call from Chase that said the employee was wrong and I can't open another account with Chase for XXXX years. 
More than XXXX years later, I tried to become a co-signer on a Chase account and was told the previous employee was wrong and XXXX banned for life from having a Chase account. 
I would like this straightened out and be able to bank with Chase again.
Product: Credit reporting or other personal consumer reports

the credit check company of the apartment I'm applying to received a report that my credit score was XXXX points lower than I thought it was. They said my score was XXXX. I went on XXXX XXXX and for TransUnion, it was XXXX and XXXX was XXXX. Then, I went to TransUnion 's website which redirected me to Annual Credit Reporter since the company only wanted TransUnion 's report. On ACR, my score was XXXX. In all reports received, I have no outstanding balances, evictions, liens, etc, so a XXXX discrepancy is the difference between being able to rent or not. 

The background check company then informed me that they received a report from TransUnion 's XXXX version. However, everything I've received was the XXXX version. When I called TransUnion directly, the representative didn't even know the XXXX version existed or what I was talking about. Then denied to get me a copy insisting that " the one you received from the website is the most accurate one. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion added this account which is not an actual account that I had with this leasing company. It says account was opened XX/XX/XXXX   which is false. I never opened an account on that date with this company. Called this company to asked them about my accounts and they stated they were going to send transunion paperwork to show accounts paid off. Account shows a balance of XXXX again which is false they added the two accounts I did have with this company which was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$4500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. I have attached a copy of the Note Balance History for your reference. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Company & credit bureau is reporting delinquencies from about XX/XX/XXXX to XX/XX/XXXX, which is incorrect. At some point there was stuff to the account I think that a occurred sometime around XX/XX/XXXX of which I was found in favor of the fraud. The car balance was at XXXX prior to the south. The company did do an investigation and reverse the charges, rewarded me back to late fees. And was in dispute of removing my delinquencies. I previously reported this they did remove the delinquencies from about XX/XX/XXXX to XX/XX/XXXX. Not sure why they're showing late activity from XX/XX/XXXX to XXXX of XXXX that I am sure this is in accurate as I have been on time with payments so they may have posted after they were paid. I need to have this corrected to update payment history and further improve conflictions with my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX 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 account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$9000.00}
Product: Credit card or prepaid card

On XXXX XXXX, 2016, I ate at a restaurant in XXXX XXXX called XXXX XXXX and became seriously ill because they apparently do n't clean the fish they serve there. I emailed them and complained and disputed the charge on my Citibank XXXX XXXX card because I did n't think I should have to pay for a meal that made me sick and sent me to an emergency room. Citibank contacted them and they said I never complained to them which was a lie and Citibank sustained the charge without investigating I have since filed complaints with the Better Business Bureau, and the XXXX XXXX Consumer and Business Affairs. BOA ignored all of their correspondence so I was found to be correct in my claim. I went back to Citibank, the Office of the President through someone named XXXX XXXX. He arranged or asked me to call a man named XXXX XXXX at the restaurant for my refund. The man never called me back and never replied to my email. Copies of a years worth of correspondence are being attached here. XXXX XXXX old me that " It 's hard for them to investigate with restaurants '' but I know that Citibank never investigated this at all.
Product: Debt collection

I tried numerous time to resolve this XXXX XXXX XXXX XXXX XXXX - XXXX account. This is not my account I explained o them this several times. This bill is for services that was secured in Texas. I never resided in Texas nor have I ever requested services in Texas. I don't owe this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair Credit Reporting act XXXX, XXXX AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction.
Product: Debt collection

I have sent a number of disputes via certified mail and have not received documentation that the debt is mine. This is not my debt. Please provided proof of debt, such as a signature, etc ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I had ordered my credit report and noticed that there is a eviction on my record on a address that I never lived at and the address in question is XXXX XXXX XXXX XXXX XXXX.Please delete negative item off my report