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

These accounts and inquiries are not mine they were made without my permission, consent, inquires. COMENITY BANK XXXX Inquiry : XX/XX/XXXX, XXXX. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Product: Debt collection

On XX/XX/XXXX I sent a letter to each credit reporting agency requesting a full and complete credit verification. Several things happened, XXXX completely stopped reporting my credit and my credit file with them has not been updated since XXXX. Also, Midland has 3 collections reporting that have not be verified and are also a violation of my consumer credit protection under 18 USC 894 which reads ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under Midlands reporting is also against the CFPB suit against them as listed here The Bureaus complaint, filed in federal district court in the XXXX XXXX XXXX California, specifically alleges that since XX/XX/XXXX, Encore and its subsidiaries violated the consent order by suing consumers without possessing required documentation, using law firms and an internal legal department to engage in collection efforts without providing required disclosures, and failing to provide consumers with required loan documentation after consumers requested it. The Bureau also alleges that the companies violated the consent order, the CFPA, and the FDCPA by suing consumers to collect debts even though the statutes of limitations had run on those debts and violated the consent order by attempting to collect on debts for which the statutes of limitations had run without providing required disclosures. 

On or about XX/XX/XXXX, these three Midland collections were listed as closed and removed from XXXX and XXXX. On or about XX/XX/XXXX, they all reappeared. This is a violation of 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have NEVER given Midland authorization to report anything on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries for the following companies : 1. Comenitycapital/XXXX XX/XX/2021 2.XXXX  XXXX XX/XX/2021 3. XXXXXXXX XXXX XXXXXXXX XX/XX/2021 4. XXXX XXXX XX/XX/2021 5. XXXX  XX/XX/2021 6. XXXX XXXX XX/XX/2021 7. XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following account to be incorrect. 
I have explained the discrepancies of the accounts numbers XXXX ( XXXX XXXX XXXX XXXX ). 
to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

recalled a letter XX/XX/2020 from XXXX  stating i requested for credit and I didn't they recognized it wasn't my SSN that matched up and still emailed this to EQUIFAX with referrance number and still refuse to move off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Experian refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Experian did not provide me with proof that the account was opened by me, and therefore it should be removed by Federal Law. 

In addition to XXXX XXXX XXXX, There are several accounts opened via Identity Theft that Experian refuses to remove : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX. Please remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys Credit was a fraud account. Along with others and student loans. I called all companies to advise. Macys is the only one who says they can do nothing about it. This account thats fraud i could not even verify until we went through a process. Now that they have updated my info they keep saying it verified as me. The obvious would be if someone used my info and they updated it to my current info. Of course its going to verify back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

These inaccuracies on my credit report are stopping me from getting approved for an apartment, a new car and starting a business. In addition to violating my consumer rights, these accounts are reported inaccurately.
Product: Money transfer, virtual currency, or money service

I have attempted to set up an account with Binance US. I have submitted all the documents requested, very personal information and photos. This has taken place over several attempts, each time the come back and request information I have already submitted. It seems a never ending cycle and I have asked them if their intention is to actually set up accounts or just collect and hold sensitive personal information. I would not have started the process had I known they were so un organized or lacked attention to detail with my personal information. Now it is out there and I feel un secure.
Product: Debt collection

I was a victim of ID theft and a  XXXX   XXXX  card (  XXXX  ) was open in my name and the account was charged off and sol d to Midland Credit  (  XXXX  ) who sued me without my knowledge and got a default judgement. I got an attorney and proved it was ID theft and the judgement was reversed ( see attachm ents ).  Both  XXXX   XXXX  an d Midland are still reporting these illegally to my credit which is ruining it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called i sent a letter amex XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reach out to XXXX  they said my address do not match. Will like to close my account and place a security freeze on my account
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I received a hard credit inquiry from Capital One Bank without my consent. When calling the creditor on XX/XX/24, they are not able to find any information on me in their system to give additional information on the inquiry. I was directed to the credit bureaus to dispute, however, the credit bureaus direct me to the creditor to dispute the inquiry. I did not authorize this hard inquiry from Capital One, and believe this may be fraud.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Amounts from Credit Report XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of negative amounts from my credit report. Upon reviewing my credit report, I noticed several negative entries that I believe inaccurately reflect my financial history. I have outlined these discrepancies below : XXXX XXXX XXXX : XXXX / XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ( Negative Account ) I would like to emphasize that these negative entries are erroneous and do not accurately reflect my financial behavior. I have diligently maintained timely payments on all my accounts and have taken proactive steps to improve my creditworthiness. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies and remove any inaccurate negative amounts from my credit report promptly. I have enclosed copies of supporting documents, including payment records and correspondence with the respective creditors, to assist with your investigation. I understand the importance of an accurate credit report in facilitating fair access to credit and financial opportunities. Therefore, I urge you to expedite the resolution of this matter and provide me with an updated credit report reflecting the removal of the erroneous negative amounts. Please inform me of the outcome of your investigation and the actions taken to rectify the inaccuracies on my credit report. I can be reached at ( XXXX ) or via email at ( XXXX ), should you require any further information or clarification. Thank you for your attention to this matter. I look forward to a prompt resolution. 

Under The Fair Credit Reporting Act 15 U.S. Code 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called experian and XXXX. Under XX/XX/XXXX my credit score shows up as XXXX and ive been tryin to use the score to get a truck and cant do it because shows up no revalving credit so. On the report datedXX/XX/XXXX. XXXXXXXX XXXX XXXX card shows as good credit and is revalving credit until XXXX so i tried calling 3 times, to experian and in past tried callong XX/XX/XXXXand XXXX keeps hanging up i asked them to take my numbdr incase it did hang up he said no i asked for a supervisor. To help, me out most of them are foreign. And cant understand. Them so all im asking is my credit acore to show up
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality under XXXX U.S.C XXXX. 

Account name : XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX  Date : XX/XX/XXXX, Account Name : XXXX XXXX  Date : XX/XX/XXXX, Account name : XXXX XXXX  Date : XX/XX/XXXX, Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Account name : XXXX XXXX XXXX discharged DateXXXX. 

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, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts listed on our credit report that we believe are in violation of various laws and regulations, including FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA : XXXX. XXXX XXXX XXXX XXXX XXXX Account 2. XXXX XXXX XXXX XXXX Account 3. XXXX XXXX XXXX XXXX XXXX Account 4. XXXX XXXX XXXX XXXX XXXX XXXX Account 5. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Account We dispute these accounts on the following grounds : 1. Violation of FCRA : We believe that the information reported on our credit report is inaccurate, incomplete, and outdated. We request that the information be verified and updated with accurate information. Failure to do so is a violation of FCRA. 

2. Violation of FDCPA : We believe that the creditor/collection agency has engaged in harassing and abusive practices in their attempts to collect on these debts. This is a violation of FDCPA. 

3. Violation of FACT ACT : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under FACT ACT. This is a violation of FACT ACT. 

4. Violation of TILA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under TILA. This is a violation of TILA. 

5. Violation of RESPA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under RESPA. This is a violation of RESPA. 

6. Violation of ECOA : We believe that the creditor/collection agency has engaged in discriminatory practices in their attempts to collect on these debts. This is a violation of ECOA.

7. Violation of FCBA : We believe that the creditor/collection agency failed to comply with the requirements under FCBA. This is a violation of FCBA. 

We request that the information be investigated and verified in accordance with the laws and regulations listed above. We also request that any inaccuracies be corrected and updated accordingly. 

Thank you for your attention to this matter. 

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

XXXX  XXXX XXXX ACCOUNT FOR {$46000.00} has been showing up on y credit report as CLOSED or CHARGED OFF. 
I have tried multiple times to dispute this charge, which is NOT MINE and have reported it as fraudulent and have provided police reports and documents to verify my identity to prove that this account was fraudulently opened under my name and have failed each time. This is not my account and experian refuses to properly investigate this matter and it is ruining my credit. Please remove.
Product: Checking or savings account

I submitted a complain to Bank of America on XX/XX/XXXX they failed to chargeback the merchant I present police report I requested documents and they sent me some documents saying they verify my information which is not true my business debit card is in my business name and address its not the same bank America its failing to investigate because of this paperwork which is only copies of transactions where is the proof I provided them my info a signature my bank statements they say they verify my account is not true this is a scam I file a police report and identity theft because my identity got stolen and instead of helping me and charging back this scammers they failed too chargeback until XXXX XXXX a month after the fact and worst info cant match at all first because thats fraudulent info!!! My adress is not that and my debit card is in business name and different adress red flag everywhere they can recognize they make a mistake!!! Two claims are open am no resolution because they side with scammers where is the info matching for my business where is the papers they say I provided to authorize this transactions!!!
Product: Checking or savings account

They refused to talk to me on talk to me. XXXX  XXXX  easy pay debit card XXXX  my account up and drafted the wrong account.
Product: Prepaid card

I am soooo Upset!!!!!!! I cancelled a purchase from XXXX in which I was to pick up the merchandise from a local store. I did not go to the store, instead I canceled it. Per Rushcard member services, I would need to fax over an authorization hold reversal form from XXXX with trans info stating to release hold. I get that done, then the reps say they can not do it because of a policy they have in place with XXXX that will not allow them to release the hold. I know they can release the hold because I 'd had them release a hold before. Now it 's school time and they are holding my funds from me doing what I need to do!! I swear I am going to do away with Rushcard after I get my funds released because since the change in banks, it 's has been a nightmare!!!! Im really starting to hate rushcard after being with them since XX/XX/2009. They may get another lawsuit as far as Im concerned. I call Unirush and they tell me they are sorry for the incorrect info of sending in the authorization release form, but they can not release it.???. So you have all of your reps saying the same thing, but it 's wrong? So much of a scam going on!!!
Product: Credit reporting or other personal consumer reports

Victim of ID Theft. Have been trying to get these accounts removed for a few years. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 the COVID19 virus became widespread and there were major shutdowns in NJ that caused our household income to drop by more than 60 %. I requested a forbearance on all mortgages for my house in XXXX, NJ. I spoke to a representative at Specialized Loan Servicing and they told me the forbearance would start in XXXX and would last for six months. It turns out that they only applied it for three months and in XX/XX/2020 I received a report on my credit stating that the account was delinquent and my credit score dropped nearly 100 points. I contacted SLS and they stated there was nothing they could do about it and that the forbearance was only three months. They also claimed to have reached out to me when the period of three months was done by mail and by phone. I received neither a message on my phone or any written letter with this information. Realizing that I would not get any help from SLS i requested to continue the forbearance and that a supervisor contact me. They stated that they would have a supervisor contact me within 48 hours and no one from SLS ever called me back.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX # XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem started in XXXX when Experian would not updated my XXXX XXXX XXXX XXXX XXXX XXXX revolving credit card account. I have filed multiple disputes, with it going from wrong information to no information.
Product: Credit card or prepaid card

Hello. 
I had charges that did not belong to me & direct express has not helped at all. They denied my claim even when the companies in question tried to intervene. 
There were numerous charges but my concerns were of higher amounts. 
To begin, XX/XX/2022 a charge to XXXX for XXXX ( I haven't had XXXX in years ). 
2 ) A charge to XXXX for XXXX ( never heard of them ). 
3 ) A charge to XXXX for XXXX ( I have never ordered from XXXX online ). 
The first 3 charges were made on XX/XX/2022. 
Then XXXX XXXX for XXXX on XXXXXXXX  on XX/XX/2022 two charges, 1 for XXXX & the other for XXXX. 
To clarify these were not mine. In fact when I called to notify direct express they were quick to cancel my card and charge XXXX for a quick air delivery replacement card. I also have so many little charges from XXXX XXXX among other smaller charges. The company has been nothing but rude while I have tried to remain kind. 
Any help at all would be so appreciated. 
Thanks so much. 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX reported my payment as late back in XXXX of 2023. I called immediately as I had not received a single notice of the payment delinquency despite it being over 30 days late. They claimed that I was under paperless billing, but received no communication from them regarding this delinquency. 

After speaking with the agent and looking into things further, they confirmed that they had the incorrect personal information including my home address, which is what I had initially had my statements being sent to. They claimed that they don't send any correspondence regarding late payments, which the attached email proves incorrect. Before this I had never had payment history issues with XXXX.
Product: Checking or savings account

So I sent a transfer to a XXXX XXXX as part of A payment for a car thst I didn't receive yesterday by a computer on XXXX XXXX and they refuse to give me my XXXX back and also cash app refuses to Give me back my {$300.00} that I sent to a XXXX XXXX on the XXXX birthday card also then I sent a {$500.00} prepaid gift card yesterday to them plus another {$200.00} gift card to them and I got my {$1500.00} back but none of it and did not receive the car Bank won't refund me and there were cash app I need my money back