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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX General Processors XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

me the consumer attempted numerous times to remove and block the negative information list on my report. these companies are causing defama6ion to my characte.r
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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, false information and, fraudulent accounts consist of a personal credit card account opened XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX XXXX XXXX, XXXX under the account number ( private ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number ( private ), another collection account that was used for an apartment opened at XXXX XXXX XXXX on XXXX under account number ( private ), and another collection account that was used for a different apartment opened at XXXX XXXX XXXX XXXX XXXX XXXX under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Credit reporting, credit repair services, or other personal consumer reports

I file for chapter XXXX bankruptcy on XX/XX/XXXX and I get the order of discharge on XX/XX/XXXX, which include all my credit cards with the exception of my car loan which I continue to pay my monthly installment until I pay off the whole balance of {$4400.00} on XX/XX/XXXX XXXX, but when I checked my credit report recently from the three major credit bureaus I was surprised that the ( pay status ) of my auto loan which represented by ( XXXX XXXX XXXX XXXX XXXX is included in my bankruptcy case which is not supposed to be, I contacted XXXX, Equifax and XXXX  and ask them to correct the wrong information about my auto loan and I send them all the required documents, each of them launched their own investigation, after all the result come back with no change and they stated that the car loan is part of the bankruptcy.
Product: Credit reporting or other personal consumer reports

I have never told Transunion to add fraud alert yet alone XXXX fraud alerts they needs to be remove immediately. My number is not XXXX XXXX XXXX my number is XXXX XXXX XXXX which is on my transunion profile
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After falling behind with my Torrid - Comenity Bank, XXXX, XXXX XXXX, XXXX and XXXX  payments I made several arrangments to become current with my accounts. I scheduled a payment plan of {$100.00} monthly starting XXXX XXXX XXXX XXXX XXXX for Torrid, {$72.00} for Comenity Bank, {$100.00} Comenity Bank and {$110.00} on XX/XX/2022. Unforeseen circumstances prevented me from fulfilling my obligations. My discrepancy is the aforementioned attempted to collect the fees twice instead of the one time agree resulting in me spending hundreds of dollars in fees of charges I didnt authorize twice, only once but as you can see Ive been charged double on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information on my credit report. The credit bureaus, entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my many repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing, and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 106 days and I have not received a response from anyone. 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: Credit card or prepaid card

In XX/XX/2020, I opened an account for the Amazon Rewards Visa credit card through Chase Bank Cardmember Services. I began to use the card and would pay off the balance at each billing cycle. On XX/XX/2020 I made a payment for {$520.00} which was the balance of the account. On XX/XX/2020, the payment cleared my deposit account at XXXX. On XX/XX/2020, I attempted to make a hotel reservation with the card and the transaction was declined. I contacted Chase Bank Cardmember Services and was told that my payment had been put on hold and the hold would not be released until XX/XX/2020. I inquired why the payment was on hold. I was told that all new credit card accounts payments are put on hold during the first 120 days of the new account. I asked the Bank how this is not a violation of Truth In Lending Regulation Z 1026.10 ( a ) when the payment was made in accordance of the Banks conforming payments per the account agreement and the billing statements. I was not given a sufficient explanation and told there was nothing they could do to release the hold. I feel this policy of holding the payment is in violation of 1026.10 and is an unfair and deceptive practice by the Bank.
Product: Debt collection

Hello can you please help me with this account that does not belong to me. After reviewing the account information I became aware that the debt belongs to my ex husband & I had no knowledge of the debt nor did I give permission to open it. I have tried disputing multiple time with all XXXX credit bureaus with no success. I have never contacted the debt collector however, they continue to update the information. Which I have researched & found out that they are not allowed to change the dates of the original debt unless I have contacted them. Here is the information shown on my credit report. Please help me remove this debt. Thank you. 
ABSOLUTE RESOLUTIONS I Original creditor XXXX XXXX XXXX Balance {$4900.00} Balance updated XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Attached is a copy of XXXX XXXX XXXX asking Equifax XXXX XXXX to delete this XXXX. Account number XXXX, this transmission took place XX/XX/year>, again this transmission was transmitted XX/XX/year>, XXXX ID XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I notice that theres information thats on my consumer report that is a result of identity theft. I didnt not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
Please be advised that my request to block isnt being made in error ; not is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transitions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your diligent assistance and immediate response.
Product: Credit card

It is my assertion that the inclusion of inaccurately reported late payments on my accounts is a transgression of 15 USC 1666.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with this company on various occasions starting back since XXXX of XXXX. The company has received my disputes in XXXX, XXXX, XXXX, and in XXXX. Each response comes back with it being verified by a third party such as XXXX XXXX or the courts. When i send in supporting documents from both third parties stating there is no record of said bankruptcy they still tell me it's verified. It is now XXXX and i've yet to get a satisfactory/ accurate reporting, which has been hurting my credit status for years upon years. The last time i disputed in XXXX i did not get a response and the FCRA gives the company 30 days to respond. i have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, and 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 1681 a.1.a : States that any item that's being disputed must come off my credit report.
Product: Mortgage

First Im a XXXX XXXX XXXXXXXX veteran and BSI Financial services purchased our VA mortgage. 
After checking BSI has NOT updated our mortgage information on all three bureaus thus dropping our credit score drastically.

Unfortunately we can not afford to change lenders at this time after we were forced into using BSI financial services due to interest rates have increased beyond our financial capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX  

FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation collections not mine
XXXX XXXXY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX PA.  1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

The company is providing inaccurate credit information whereby denying me housing. The company uses several namesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The company also says the information was provided by TXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 late payments XX/XX/XXXXand XX/XX/XXXXthat was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXXCurrent Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX mortgage debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to XXXX Mortgage and medical and XXXX
Product: Credit reporting or other personal consumer reports

XXXX writing to ask that unapproved XXXX  inquiries be taken off XXXX XXXXt record. I discovered XXXX  on XXXX XXXX report that I had not approved when I obtained a XXXX  of XXXX XXXX report. They are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Every month I receive an " Expiration Notice '' regarding accessing my equity through my mortgage company. The " expiration notice '' is NOT from my mortgage company. The notice is from a third party : 1st Financial , Inc . This third party uses my current mortgage company 's name in their notice as way to appear legitimate. The purpose of 1st Financial, Inc. is what I believe is to obtain my personal information. Why would they mail an " expiration notice '' every month and request I call them to discuss how to access my equity. I have called their XXXX to request removal of my name from their mail list but their is no answer.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for the XXXX XXXX XXXX  account ending in XXXX. This includes a 30-day late payment posted in XXXX of XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experience between the consumer and the person making the report. A late payment constitutes a " transaction ''. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Money transfer, virtual currency, or money service

I was selling a dress and the person posed as a buyer interested after we agreed on the prize and payment thru XXXX on Messenger I got an email that I needed a guarantee money in order to use my XXXX account because it was my first time using it for such a big amount and they had charged her account for me to refund her the money and then the deposit will include the purchase price and that additional amount. I have enclosed pictures of the emails I have then on my phone to file a police report. 

After I got another email saying that they had made a mistake and charge her account twice to please send the money again to fix the problem that otherwise I was not going to get the money for my dress not to worry that my money was safe with them ( XXXX ) I send her the money again ALL THE EMAILS WERE FAKE posing as XXXX. 
It is the first time I deal with XXXX selling something in my life and I fell for it, All the emails were fake and I sent her the money thru XXXX and now, the bank said they can not help
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

This passed year in XXXX I got a XXXX XXXX XXXX XXXX from drivetime however this is the second one they put me in because the 1st got deemed to dangerous to drive by there warranty mechanic. Towards the very end of XXXX the XXXX XXXX was having issues so the Warranty company gave me options who I can send it to and it sent it and it got worked they said the Engine was bad and needed to get replaced and that the transmission fluid was burnt. The warranty company gave the okay to replace the engine but nothing further. 

The engine got replaced but the mechanic still couldnt get the vehicle to turn over they suggested that it get sent to a XXXX dealership to get it look at further thinking it was a computer issue. However when the XXXX mechanic looked at it the issue was that the XXXX mechanic that installed the used engine and not a complete engine meaning they didnt send the turbo that the engine requires. XXXX broke allot of the parts it was also in their shop for over 2 1/2 months and wasnt fixed I talked to the finance company and asked for help repeatedly however the denied it talked to the drive time compasses for help again denied. Along with silver rock they refuse to repair the issues that their contracted mechanic caused. They finance company not just calls me but calls my mother who is on the loan and also all of both our references. 

I have an XXXX XXXX business my business requires me to drive all over to repair my customers appliances without a vehicle it is hard to do. I normally work a 12 to 13 hour day however due to me not having my own vehicle and having a girlfriend nice enough to let me use hers I can only work 5hrs during the week. I get calls none stop they just threaten to take my vehicle away cause I cant afford to pay for it due to not being able to work my normal time.