23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX  XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple inquiries to All credit reporting agencies including Transunion. They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on  XXXX   XXXX . They again resent a letter explaining what a inquiry is. They have failed to respond to  two requests now  to research and delete inquiries on my credit report that are inaccurate. These inquiries do not match any accounts on my account etc.     I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax for a medical collection I paid back in XX/XX/XXXX. I submitted the dispute online with Equifax and XXXX  on XX/XX/XXXX. XXXX  requested I mail supporting documentation, Equifax allowed me to upload supporting documentation. I provided the same documentation to both credit bureaus. I provided proof of credit card payment and an email correspondence with a lawyer which included the payment confirmation number. After 30 days the record was removed from XXXX ( XX/XX/XXXX ), however it remained on my Equifax report. I contacted Equifax on XX/XX/XXXX about the matter and they advised the creditor was still reporting the debt as accurate. I inquired about the proof of payment that I provided, and they advised that it wasnt attached to the dispute when they contacted the creditor and they would submit another dispute and it should only take about 7 to 10 days. I was on the phone 22 minutes with the associate. I followed up on XX/XX/XXXX and was on the phone over an hour and got disconnected. During that conversation the associate advised that the dispute didnt look like it had been submitted with the documentation. So yet again Equifax failed to get this resolved properly. The call got disconnected after 1 hour and 3 minutes. I called the medical creditor and they advised they have provided proof that this debt is no longer valid to the credit bureau on 3 separate occasions, 30 days after payment was made in XXXX, in XXXX and in XXXX. All these dates coincide with all the times I followed up with Equifax. I called Equifax a third time to try and resolve the matter with a supervisor on XX/XX/XXXX and she confirmed she had the documentation that showed proof of payment, however they will not remove the incorrect reporting debt because they claim the creditor said it was accurate and they want me to provide additional proof outside of what I've already provided. I am trying to buy a house and need this resolved immediately. I have done my due diligence in getting this matter taken care. The debt never appeared on XXXX, and was removed from XXXX upon review and dispute. However Equifax has failed to follow through with removing this from my credit report.
Product: Credit card or prepaid card

In XX/XX/2019 I learned I was a victim of fraud and identity theft, I am permanently XXXX and suffer with XXXX XXXX XXXX XXXX ... I was fighting banks until I got Covid on XX/XX/XXXX, prior to this I was never late with a payment. 

I am still dealing with multiple medical issues, all of a sudden I got a letter one day from one of my charge cards with XXXX balance that was paid off that had been opened in XX/XX/XXXX-XX/XX/XXXX, they said closed because of credit report. 

The following day I received another 2-4 letters on other accounts saying the same thing, then a few days later even more letters, one account was involved in identity theft and fraud and I was disputing as my XXXX and stress levels allowed me to, it was Paypal. 

They closed accounts that I had used and paid off for YEARS with XXXX balances ruining my credit, XXXX to XXXX my score now, because I am ill and can not fight as hard right now. 

They closed my Care Credit Card I used for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my cat that had XXXX XXXX last year, paid it off within 6 months.. never late since account was opened with my mom before her death in XXXX. 

Closed my XXXX account that I used for emergency car repairs and tires which is vital being permanently XXXX. Had XXXX balance always paid on time never late. 

Closed my Ashley Furniture card XXXX balance I finished paying off {$2800.00} not long ago, never late always paid in time. 

Closed my Gas card, closed another few cards I do not even remember the others, I had no idea so many were with Synchrony.. totally destroyed my credit for no reason.
Product: Credit reporting or other personal consumer reports

XXXX missed payments on XXXX XXXX credit card for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX missed payments on XXXXXXXX XXXX credit card for the dates XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX credit card is a 100 % settled account. Settled with 3rd party and is supposed to be removed from credit report This things need to be removed from XXXX, TRANSUNION and XXXX credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/XXXX to correct these suspicious pieces of information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I followed the law and filled out an FTC Affivadit along with filing a police report with my local sheriffs office. I dent this documentation along with proof of my identity to Equifax. The law states that if I sent all the legally required documents Equifax has four business days to block the accounts from my report. Equifax sent me a letter claiming to not be able to verify my identity. Per the FCRA all documents needed were sent to them. They have violated my rights under FCRA and broken the law. Now I have to hiring an attorney and go to court to force Equifax to follow the law by blocking these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) and compensate me for damages.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires a timely access to funds.This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. My name is XXXX XXXX. I have recently learned I've been a victim of identity fraud. Someone has been using my name and social security number. opened a XXXX   XXXX Account from XX/XX/XXXX-XX/XX/XXXX. I have filed a police report against this delinquent account. 
I have also seem to have taken a loan in XX/XX/XXXX for a school by the name of XXXX XXXX XXXX that is no longer open and there is no information that could be given. this student loan have been dragging my credit for the past years for a delinquent account in which i do not feel responsible for. i did not receive these services. 
My last income federal tax was garnished due to this delinquent account. and i have no where to dispute this since school no longer exists.
Product: Payday loan, title loan, or personal loan

I contacted Affirm to close my account on XX/XX/2022. I had used their services multiple times in the past, but recently I have not been allowed to do so. After paying off my final Loan on XX/XX/2022, I left the account open just in case I was able to use it. I checked on the account again and was still unable to use it. After this, I tried to close my account and I kept receiving an error stating that I still had open savings accounts or unresolved loans. I verified that all my loans were settled and that I had no open savings accounts. I was clear on my end, so I reached out to customer support. I was told that I was not able to close my account because of the possibility of a refund. My most recent loan was opened in XXXX of 2022. My return windows are closed. When I brought this to their attention, I was told that if I claim the warranty, they may refund my affirm account. The warranty is handled by the manufacturer directly and my extended warranty is through XXXX meaning, no refund will be issued to affirm. When I stated this, the employee said that was their policy and ended the chat. I have since called in and as soon as my account is pulled, they end the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting frevious and false information that the account is charged off and that it is currently past due which is a attempt to apply hardship against the aledge debtor. A account can not be currently past due and also be indicated as charge off. XXXX, Trans Union and XXXX has failed to removed continued inaccurate information that needs to be verified from the reporting party and from 3rd party agencies therefore I will execute my right to claim fines per existing error. Debtor has requested signed documentation bearing signature of aledge account bearing obligation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX/XXXX  # XXXX Account Name : XXXX  XXXX  N.A. # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times online and over the phone to request my free credit report because my SSN has been stolen and I want to check if there has been any unusual activity on my account. However, I have just recently ( within the past 3 weeks ) moved also do not have enough credit history to receive an online report ( I just graduated from college and have not made any large purchases ). I have also tried several times online and over the phone to place a fraud alert on my account, and have again been denied multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was access by XXXX XXXX XXXX for the purposes of mortgage with my consent I however do not agree with the FACTA report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XX/XX/XXXX in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score
Product: Debt collection

On Thursday XXXX XXXX I returned a call from my missed calls. That number was XXXX. A woman answered and told me she was calling from ADR ( Acknowledged Debt Resolutions. I was told I had an outstanding credit card debt from 10 years ago with XXXX XXXX  and that I could either pay half of what i owed or that they will proceed with legal filings where i will then owe over XXXX XXXX XXXX. I was skeptical but they had my name, address, and last digits of my SS card ) Needless to say after a while i was transferred to another person who i was disconnected from. Then I called their XXXX number on their webpage and no-one answered that. 

The numbers I called or was called from are : XXXX XXXX While I am convinced this is a scam, they were very good and had information that i guess is public information about me but it still has put me on edge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXXs n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit card or prepaid card

I been disputing this company i never heard of they keep reporting as charged off everytime XXXX removed it they reported it back i even call this company they had my name spell wrong i advised them i never heard of this company i stay in a duplex with the same address we how to put. Right or left on our addres. This company name XXXX XXXX XXXXXXXX XXXX XXXX XXXX wi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on my house on the XXXX XXXX and had a settlement statement shown paid to Selene Finance. After numerous attempts to have them report this to my credit they have not. 

Throughout the loan which the purchased from XXXX they added amounts even up to to {$190.00} late to payment on the final amount. 

They are draconian and should be reprimanded. 

They have invalid late payments on my record also. 

Please have them report paid and closed and remove bad invalid reports.
Product: Credit reporting or other personal consumer reports

In XXXX I purchased a XXXX from a dealership in XXXX XXXX, Michigan that got me financed through XXXXXXXX XXXX 

Less than 2 months after purchasing the vehicle the transmission went out and I voluntarily surrendered the vehicle because I couldnt afford the $ XXXX monthly payment and a {$7000.00} transmission. 

The debt is listed on my credit report as voluntary surrendered. 

The problem is XXXXXXXX XXXX is re-aging the debt on my credit report to keep the debt on there. 

It should have come off on its own but hasnt and I would like this debt removed. 

They have changed the date from XXXX, to XXXX, then XXXX and now if Im not mistaken it reads XXXX.
Product: Credit card or prepaid card

Citi Card violates false allegations, false statements, customer privacy laws. Discrimination. Customer rights. 

1. After the old card expired, Citi Card Company refused to issue me a new card for violation of customer rights. 
2. Citi Card falsely accused me of being " bankrupt. '' violation of false allegations, and false statement. 
3. Citi card company intentionally, maliciously intent to block my online username and password, preventing me from paying the remaining {$290.00} which I can pay immediately. violation of customer rights. 
4. Without my consent or authorization, Citi Card Company submitted a balance of {$290.00} to the credit reporting company ( s ). 
5. Damaged my reputation, character and career due to false allegations and false statement violation of customer privacy, and consent act.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. 

RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g.

CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!!

I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by Equifax and XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. 

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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX