23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was having account with this bank and I have credit card my account inf someone used it and the account awas someone stole money I did fraud claim for the money the make my account overdue and they said they can't help my get my money back
Product: Credit card or prepaid card

Portfolio recovery has been contacting my job and family regarding this bill. The bill was from 2015 and then sold to portfolio recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that shows derogatory on my credit when account was included in my bankruptcy ... I need this updated or the account removed please for wrong information reporting thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Suncoast Financial Company conducted a hard inquiry on my credit report without prior authorization. The reason provided on the report was " credit transaction under permissible purpose. '' However, there was no legitimate purpose for this inquiry, as I was not contacted or consulted for permission. According to state regulations, soft inquiries are permitted for certain verifications, but this instance constitutes a hard inquiry performed without my consent. There was no credit transaction that occurred.

As a loyal customer of Suncoast Financial for approximately 3 to 4 years, I am concerned about the sudden and unauthorized hard inquiry. This action is particularly concerning as I am actively working to improve my credit standing. 

I kindly request an explanation for this unauthorized hard inquiry and assurance that appropriate measures will be taken to prevent such occurrences in the future. I value our business relationship and hope that we can resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many complaints against XXXX XXXX XXXX XXXX ( XXXX ) & Experian trying to be heard but both knows how to play a game, the CFPB, and the US government. XXXX & Experian didn't have permissible permission which I have been requesting to prove the unlawful access of my credit report in XX/XX/2017. All recent complaints were all labeled duplicate By XXXX within two minutes of each other reflecting XXXX doesn't even read the complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS ACCOUNT RESOLUTION, XXXX, XXXX AND XXXX XXXX CURRENTLY SHOWING ON MY CREDIT REPORT AS A COLLECTION THAT IS NOT MINE..
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. 

account name : XXXX account number : XXXX account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account numberXXXX account name : XXXX  account number : XXXX account name : XXXX  account number : XXXX account name : XXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXXXXXX XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX  account number : XXXX 15 u.s code 1681 section 602.a. states i have the right to privacy 15 u.s code 1681 section 604 section 2. also states a consumer reporting agency can not furnish a account without my written instructions ( in which i have given no instructions to do so ) 15 u.s code 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 
15 u.s code 1681 s-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 ( which i have printed my credit report and found many inaccurate items, which violates my rights over and over throughout the report. ) i sent out an investigation letter to all 3 credit bureaus XX/XX/2022 as of XX/XX/2022 i have not received results from experian nor did none of the bureau send me a letter within 5 days stating they started the investigation i also specifically asked withing the letter to be notified of whom access to my credit report which has failed to be provided
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 Equifax 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 of a personal credit card account opened at XXXXXX/XX/XXXXXXXX XXXX on XX/XX/XXXX under the account number XX/XX/XXXX, an XX/XX/XXXX account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XX/XX/XXXXand a XX/XX/XXXXaccount opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$270.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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

In early XXXX, upon applying for a mortgage on a newly built home, my mortgage lender discovered an account placed on my credit profile that has caused a severely crippling dilemma in my home purchasing process. According to the account being reported, there is a balance of {$5700.00} on a closed Chrysler Capital installment account. The account appears to have been opened XX/XX/XXXX, and has been delinquent since XX/XX/XXXX. 

Since learning of this inaccurate account information, I have spend several months in attempting to work with the different credit bureaus in disputing this information that is being reported. Although XXXX major reporting agencies have done the right thing and removed this fraudulent account from my credit profile, ONLY XXXX has continued to fail to do so. I have completed various proof of identify forms, filed police reports, as well as typing dispute letters along with my personal identification and mailing and faxing this to both Chrysler Capitol and XXXX. After nearly a year, no action has been taken. Even when speaking with representative from Chrysler Capital, I was told that my personal information that i had provided, did not match the account holder information that they had on file, so no further information could be given to me. 

I find what Chrysler Capital is doing is very unfair to me, deceptive and abusive in nature, as this can now cause me to lose a {$60000.00} deposit I placed on the new home. And XXXX is allowing this by continuing to report this account with accurate proof from Chrysler Capital that the account infract belongs to me. Because of the personal information not matching according to Chrysler Capital, I am left with no resolution in this matter. 

I have clearly been a victim of identity theft. I have explained to all parties that I do have the exact same name as my father ( First, Middle and Last ) and our social security numbers are also very similar. Although i do not know for certain who opened this account in my name, I do feel that I have provided enough information to XXXX through several attempts to remove this account from my credit profile.
Product: Debt collection

We ( XXXX, XXXXXXXX XXXX XXXXXXXX ) were staying at XXXX XXXX  at XXXX XXXX. I have paid all my dues before my exit, which was on XX/XX/2022. 
I vacated the apartment on XX/XX/2022 and handed over the keys to the main office. 
I do not know why is rent recovery contacting me when I had settled all my dues. I contacted the off staff in XX/XX/2022, when I first hear of this outstanding amount and was informed that this is an error and has been taken care off. the ticket no for that resolution was # XXXX. 

I have again received a note about the outstanding amount to which I reached out again to the apartment management office. I received the ledger but it does not show that I owe any amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Money transfer, virtual currency, or money service

PayPal has been holding my money for a while now and will not release it so that I can buys the kids uniforms. You can not talk to anyone due to Covid so I can not get nothing solved. I need the money to be release so I can pay for my football leagues fields and uniforms.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I desperately need some help resolving the situation at hand!! I've dispute with Transunion, XXXX to no avil that XXXX XXXX is reporting inaccurate credit information on my credit file. Even after being notified. 
XXXX portfolio reports to XXXX as an open account. how can a collection be open? portfolio reports to XXXX a 120 days late payments reported on a collection portfolio reports to XXXX {$1200.00} past due reported on a collection Transunion The date last activity was reaged every month i disputed this account with transunion The date of last activity was re-aged when this collection agency falsely stated that it was " verified ''. This needs to be removed immediately! date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active XX/XX/XXXX I made complaints to the bbb which portfolio claims that they have no control over how the credit reporting agencies reports how can that be when the information is coming from them. I've attached they response to my complaint along with copy of my credit report The facts are taken directly from my credit report
Product: Debt collection

The Lien Collector said I owed a tow company called XXXX XXXX XXXX, unpaid debt. The collector said a XXXX XXXX XXXX, with a XXXX  registration, is owed to me. They stated the car in question was towed in XX/XX/XXXX. However, I never owned a XXXX XXXX nor lived in XXXX  since XX/XX/XXXX. I have lived in XXXX XXXX, XXXX  since XX/XX/XXXX. The report from XXXX DMV shows the registered owner is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. The report also shows the legal owner is the same as the registered owner XXXX XXXX XXXX XXXX XXXX. I never owned a XXXX XXXX XXXX car and never lived in XXXX. I did not know about this debt until I got the call from the Lien Collector. I informed the agent that I never owned the car in question. However, they insisted on threatening me with adverse outcomes including imprisonment and ruining my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was exposed in the equifax data breach, its has gotten in the wrong person hand..
Product: Checking or savings account

A month ago, I opened a personal checking account with Chase because I had received a cash bonus coupon by mail. I was supposed to get a {$220.00} cash bonus after I get an electronic payment of {$1000.00} ; however, after I received several electronic payments, which their system recognized as direct deposit, Chase refused to fulfill their promise to grant me with the cash bonus, stating that they only honor payroll or retirement direct deposits, which was not originally in their terms and conditions. Electronic payments are still counted as direct deposits, and I should get my {$220.00} cash bonus, which inspired me to open that checking account, and Chase deceived me by making me sending me a welcoming coupon and refusing to honor my bonus. I feel very devastated, used, and abused now.
Product: Credit reporting or other personal consumer reports

Upgrade failed to file ( turn in ) a completed Motion to Reinstate Case on Docket and Notice of Hearing form within 30 days of the judge signing the dismissal order.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Finance )  XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance )  XX/XX/XXXX XXXX XXXXXXXX ( Finance )  XX/XX/XXXX XXXX XXXXXXXX ( Finance ) XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXXXX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance )  XX/XX/XXXX XXXX XXXX XXXX Finance )  XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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  XXXX : # XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ipromptly delete that item of information from the file of the consumer, or modify that that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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.