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

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. I also have not been able to obtain a credit score from your company for over 60 days. If you would please be so kind to update my credit score and also delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/1994. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information, I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and i have been violated as transunion has NEVER provided me copies of my written proof and I need my proof of consent of any of these inaccurate remarks to be updated and corrected now.. they are causing me harm and i demand that they remove this illegal and fraudulent reportings and i have been dealing with this for months. 
Transunion is reporting inaccurate information and they have no consent and proof of our contract to provide me a copy of the written letters signed by me and I need all these fraudulent reportings and remarks and accounts to be updated as this is causing me severe harm and i had a XXXX credit score and now i am being damaged and i need this updated immediately. 

Here are the inaccurate and fraudulent reportings of inquires that they have no written consent to access my information and my consumer credit file. 

Inaccurate and fraudulent reportings : Inquiries WITHOUT MY CONSENT DELETE THESE TRANSACTIONS immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE UNAUTHORIZED TRANSACTIONS and illegal access to my credit file. If they are reporting these transactions, then they need to give me a check for the funds they accessed and got paid for as they are committing securities fraud on me, the consumer. 


I need this taken care of immediately... 

Thank you!!
Product: Credit reporting or other personal consumer reports

I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. 
XXXX XXXX XXXX- Under the FCRA , you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above.

I have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX XXXX  pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of XXXX  by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX  loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well.
Product: Checking or savings account

USAA imposing beyond reasonable time to investigate and action disputes and placing hold on account without evidence and out of bad faith. 

The acts of bad faith are clearly displayed via conversation with XXXX representatives who have questioned my household makeup, demographic 's, and clearly state that this is my doing. Each time a member cites some ridiculous policy and is met with a rational dispute, their justification changes. 

USAA is violating my constitutional rights, the XXXX, XXXX, and XXXX. 

Im quite certain the internal notes USAA has on my account will speak to the bias as to which Im being treated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not write out my problem as this XXXX website does not allow time for me to type it. I am aone XXXX XXXXXXXX veteran!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made disputes with the credit reporting companies and the debt collectors, who dont even have accounts that are mine, just keep harassing me over small amounts that they split and renew so it never leaves my report.

Ive also been informed that my identity was stolen by my bank. They caught it early but there are 12 inquiries that I cant get removed. 

The biggest problem is that credit reports are not easy to read for consumers and debt collectors are able to find loopholes like what I explained earlier. They have harassed me over a bill that belonged to a previous owner of a house I lived in 10 years ago! It started as {$68.00}. But its the principle. I looked at my credit report today and they were able to sa it was a new date as of XX/XX/2020. How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$16.00}
Product: Money transfer, virtual currency, or money service

Transferred money to the virtual currency service " Coinbase ''. After confirmation funds had been transferred to the service, access to the website was restricted stating ; " THIS REQUEST HAS BEEN RATE LIMITED You 're making too many requests to our servers from this computer, please wait an hour and try again. If the problem persists add a Bug Report. Sorry for the trouble! '' although no incorrect information had been entered. There are no options available to me to request my money back. 

Funds were transferred XX/XX/2017. 
Funds were confirmed to be transferred on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$5500.00}
Product: Debt collection

A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. They are in violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPPA ) I don't remember going into any contractual obligation with the original creditor are agreeing to an have by mediacl debts sold are published on a credit reports. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them I believe all three Credit Bureaus, XXXX, XXXX, for a debt of {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I have no idea who this company is and the phone just rings or picks up and hangs up
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$950.00} and {$340.00} respectively. 
According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AN ACCOUNT WAS TAKEN OUT IN MY NAME UNDER XXXX XXXX WITHOUT MY CONSENT. I NOTIFIED XXXX XXXX OF THE FRAUD AND THEY CLOSED THE ACCOUNT. XXXX XXXX THEN PLACED A NEGATIVE REMARK ON MY CREDIT AND THE ACCOUNT WAS SENT TO COLLECTIONS. THIS SHOULD HAVE NOT HAPPENED AAS THE ACCOUNT WAS REPORTED AS FRAUD.
Product: Debt collection

Diversified Consultants has repeatedly called from XXXX ( enough that I put in a call block ) and recently from XXXX ( yesterday ) and XXXX which I answeredtoday, XX/XX/XXXX.  They claim to be collecting an unpaid debt from XXXX. Today they said it was for some {$240.00}. I simply responded, both times, that I have n't had an account with XXXX in about a decade and hung up. 
If it 's a legitimate debt then they can send me proof via snail mail. If it 's legit, they should have my address. The last time I checked, the USPS was still delivering. Since I have n't received any bills or threatening letters from XXXX, I can only conclude that this is a scam.
Product: Credit card or prepaid card

On XX/XX/2018 chase closed all my credit cards and bank accounts, with no given reason. Further calls escalating the matter and talks with my chase private banker did nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just found out that there are accounts with XXXX XXXX  and XXXX XXXX  XXXX  that do not belong to me. i have filed a ftc report to support my claim. i have never authorized these companies to run my credit or give me any loans. these loans are due to fraud. please see attached supporting documents
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. 
Account name : XXXX  XXXX account # XXXX has violated my rights. 

I was looking at my Transunion credit report and noticed several inaccuracies. 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 ( XXXX ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify 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. 

15 U.S.C. 1681B ( 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: Mortgage

It has been over a year now that I have been in review for a loan modification with Bank Of America without any resolution. I have been submitting every single requested document without any delay. However, it now appears that they once more have changed the " single point of contact '' that that had initially assigned my file to and I 'm being asked to resend all documents again. I 'm XXXX years old and ca n't afford to lose my home at this point in my life and I 'm respectfully asking for your assistance in this matter.
Product: Debt collection

I received a call on XX/XX/XXXX from XXXX XXXX of Quality Asset Recovery. He began blasting me with accusations that my son owed money from a rental apartment in XXXX XXXX, TX from XXXX. Mr. XXXX did not appropriately explain the situation as this was the very first time I had knowledge of any owed money. When I asked him for information to understand the situation, he became defensive, and started to use intimidating and threatening language. He said my husband and I are co-signers of the lease and if we didnt want to ruin our credit, we needed to pay the money owed. We have never received any communication prior to this phone call about any remaining money owed to the rental apartment company. 
I told Mr. XXXX that I was taken back because I felt he was bullying me, and asked him to go over everything again so I could write it down. He said he wasnt going to do that and to speak to my son because obviously he was lying to us. ( he actually said that! ). I told him he was being inappropriate and I was going to report the call. He again got defensive and said to call him back when Im ready to not have our credit ruined.
Product: Credit card or prepaid card

Purchase made in store XX/XX/XXXX for amount XXXX. Product was left in store for alterations. Product was damaged during alterations. Charge was already made and store would not refund for damaged product. Chase will not refund money stating I was able to see product before purchase but this is incorrect as purchase was made before product was damaged and returned to me.
Product: Debt collection

I transferred my Internet, TV and phone from XXXX to XXXX at the end my XXXX billing period on XX/XX/XXXX. XXXX was installed and working on XX/XX/XXXX. All XXXX equipment was returned to their local store and I have receipts for everything. Now XXXX has deliberately and falsely billed me {$780.00} for XXXX unreturned set top boxes, taxes and for a period after disconnection and XXXX installed and turned collection over to XXXX firms in XXXX different states. This is common billing practice for a firm well known for outrageous customer service that keeps billing and collection actions separate from other services. I 've experienced similar treatment before with XXXX Phone service. But as customers have only XXXX choices. They can get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 ( XXXX XXXX XXXX ) this is not my name. 

( XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX ) this is not my address. 

( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX ) this is not my address. 

( XXXX XXXX XXXXXXXX ) at ( XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$380.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX ) at ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX  ) at ( XXXX XXXX XXXX XXXX, VA XXXX ) has been sending me collection notices in the amount of ( {$780.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ) has been sending me collection notices in the amount of ( {$980.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX XXXX  ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX ) - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX )- ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX - ( XX/XX/XXXX ) - this is not my inquiry. 
( XXXX XXXX XXXX )- ( XX/XX/XXXX ) - this is not my inquiry. 

( XXXX  XXXX bankruptcy discharged ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ) This is not my bankruptcy. ( XXXX XXXXXXXX XXXX  ) XXXX - I did not authorize this inquiry.