23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 instructions
Product: Credit card

I was recently informed that my apple card issued by Goldman Sachs has been closed with no explanation. I have contacted apple support to get a resolution or explaination as for why my account was closed and they refused to provide any details informing me why my account was closed. I have always been in good terms with the service provider and never missed any payments, so I am not clear they did close my account.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I am a PayPal customer with email address XXXX I was using my PayPal account and PayPal requested for documents including my driver 's License, Bank statement and proof of address when my PayPal account was already verified.

PayPal restricted my account and said they would not remove the restrictions untill I submit the requested documents under the case Reference ID : XXXX I have then supplied PayPal with the information but my account restrictions has not still been removed.

I need this to be resolved by PayPal
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Trans Union LLC Dispute Center on XX/XX/2020 and XX/XX/2020 asking them to investigate some accounts. They responded on XX/XX/2020 report # XXXX that the accounts were verified. I asked for a description of your procedures in detail ie.. who you spoke to, contact #, address etc.. on XX/XX/2020 and they you failed to respond with the information requested. Instead they sent some generic computer generated response. The account in question is XXXX  XXXX XXXX account balance {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XXXX XXXX XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX  High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month 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  TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX O 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX  - XXXX - XX/XX/XXXX - {$100.00} XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$700.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I Disputed this debt with Arcadia a few times and I am very displeased with my results. They have never sent me anything in the mail at all, yet continue to report debts on my credit. I have respectfully requested information as to why, and since I am a consumer, it is my right to identify the debts. They have failed to produce any reason at all for why they are on my credit.
Product: Debt collection

On XXXX XXXX Navient sent a fax to my job exposing my social security number to several fellow employees. I did not OK this form of communication and I find it pervasive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies XXXXXXXX XXXX, and Experian  have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. XXXX and Experian even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also XXXX, Experian, and XXXX state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.
Product: Debt collection

I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the fare credit reporting act, this creditor has violated my rights. Under 15 USC1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as later for any purpose,
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
15U.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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX, XXXX - XXXX {$2400.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXXXXXX - XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, 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 a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for 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. 
XXXXXXXX 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 XXXXXXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This name reported used : XXXX XXXX I have never used this name before.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITYBTHEFT PROVIDED WITH PROOF OF FILING TO FEDERAL ENFORCEMENT AGENCY.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to XXXX, Equifax, & XXXX. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

National Claim Adjusters is in violation of the Fair Debt Collection Practices Act. XX/XX/XXXX an FDCPA demand letter was sent to NCA and received XX/XX/XXXX. Legally the collector has 30 days from receipt to respond with proof requested, including that I owe the debt and that they have legal right to collect the debt, their license to collect debts in my state, and original contract I signed with the original creditor. NCA ignored the letter and failed to respond within 30 days. As a result, legally NCA must cease collection efforts, removed negative items on my credit report, or send a letter stating negative items were placed on my credit report in error. However NCA has reported to the credit bureaus their information is accurate. Then XX/XX/XXXX I received a letter from NCA, dated XX/XX/XXXX, including a XX/XX/XXXX credit card statement, indicating this was the information requested. However I didn't request a " verification of debt '', which is not a validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through Kia Motors Finance. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX Kia wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay Kia Motors Finance at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the XXXX for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to Kia Motors Finance. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX Kia and bought a new car, but was told Kia Motors Finance would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe Kia Motors Finance a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. Kia Motors Finance had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.
Product: Credit card or prepaid card

I have an Apple card through Goldman Sachs. I used this card to purchase a new XXXX on XX/XX/2022 for {$1100.00}. I paid the balance of the card on XX/XX/2022. I then received a refund via XXXX for the trade-in of my old phone of {$720.00} on XX/XX/2022. I generally do not use this card, but had a few expenses that left my balance in the positive at {$540.00}. 

In the past, this has been automatically credited back to my bank account. 

Goldman Sachs refused to credit back this payment, saying that since I have installment plans for two other phones on my account, their new policy is to not issue refunds. 

I asked multiple representatives, received a callback from their executive support, and all parties indicated that if I had waited to pay the balance from the XXXX charge ( I believe this would have been a late payment ) then it would have properly credited the existing negative balance and I would have the money in my pocket. 

This is unfair practice, even if they can arbitrarily change their rules. What's the point in having XXXX XXXX  interest installment plans ( my installment balance is ~ {$700.00} ) if you're going to hold hostage refund in a positive balance?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


CONSUMER PORTFOLIO SVC Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX has an Opt Out listed on my credit report. The Opt Out listed on my credit report is preventing me from receiving pre-approved and promotional offers for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX XXXX in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent report on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS XXXX ) XXXX XXXX  AMOUNT XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX XXXX ) XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX aacordance with the fair credit rereporting act These have 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 intructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was inquiring about refinance rates to chase bank for our mortgage and they ran my credit without my permission. I've been trying to get the hard inquiry off my credit report since XX/XX/XXXX of 2019 and chase have never resolved the issue, I have sent in a copy of my credit report with the hard inquiry and they said it was nonething that they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are allowing companies to place inquiries against without first contacting me to see if the inquiry is valid as per my 7 yr credit file freeze. I have sent a police report to Equifax previously which they have on file for Identity theft and they are continuing to allow these things to happen. With their recent Breach I do n't feel this company is taking all measures to protect consumers. The following unauthorized inquiries are ; XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Furthermore recent disputes with the one collection I have with XXXX XXXX XXXX is being ignored. I have numerous times state that I do not have a Contract to pay this company and the account is still affecting me.