23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX # XXXX ) I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
XXXX XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I called on XX/XX/XXXX at XXXX XXXX  eastern standard time and let the representative know I was recording the phone call. I made the company aware of the violations/law they were breaking. The rep acknowledged that they were reporting late transactions and will continue to do so. Im not sure if this company has some sort of relationship with the Credit reporting agencies to report transactions but I will be seeking legal actions against this company, for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent enablement of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXX XXXX XXXX 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 XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Portfolio Recovery Services purchased an account from XXXX XXXX  in the amount of {$590.00} but does not have any documents showing a balance of {$590.00} was even owed. There is not one document that Portfolio Recovery Services has provided in the past few months that has that amount listed accept for the debt purchase letter they have provided. 

Portfolio Recovery has continued report to the credit bureau {$570.00} but they did not purchase a debt for this amount. The debt purchase validation letter states the debt amount was {$590.00}. 

Portfolio has sent multiple documents with the amounts owed of {$590.00} and in the amount of {$570.00} these are two different debt amounts After I began disputing the account Portfolio Recovery Adjusted the amount on my credit report from {$590.00} to {$570.00} after I disputed the validity of this account and the documents.
Product: Credit reporting or other personal consumer reports

My credit Report is showing an account of consumer XXXX XXXX XXXX XXXX and they call and Harass Me daily about an account that was included in Bankruptcy # XXXX I was not aware that was on my credit report this account should not be furnished on my consumer report as in violation of XXXX XXXX XXXX of a purpose of Consumer Reporting under which section XXXX never gave any consumer reporting agency any Wriiten Consent to Report anything under my Consumer Reports which violates my of Federal Prorection as a Consumer I am demanding a Deletion of this Account off my Consumer reports
Product: Vehicle loan or lease

XX/XX/2022 Regarding Wells Fargo case number : XXXX Consumer Financial Protection Bureau case number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am trying to get clear title to a vehicle I purchased over 2- years ago. 
I am getting phone calls and emails from Wells Fargo when I clearly indicated what I need. 

Wells Fargo should respond to Consumer Financial Protection Bureau case number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Wells Fargo is listed as being a lien holder on my vehicle and that information was sent to XXXX  XXXX XXXX XXXX. by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL Active Managers as o XX/XX/2022 date are XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX. 
Contact for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX ) XXXX According to Wells Fargo, it is XXXX  that made the mistake and Wells Fargo never had an interest in my vehicle.
Product: Debt collection

It is XX/XX/XXXX and I have received at least 4 calls since last week from XXXX looking for me ( former married name from XX/XX/XXXX ) ... and they've even called my family ( some of whom I don't even have a phone number for ) and friends! This was in regards to a payday loan I had discharged in XX/XX/XXXX and when I called them back, I requested that could send them proof of said discharge. ( The phone number I called back was XXXX ) I was told to pay them first ( not send in the proof ) and then I could have the option of disputing it in court. I told them I wasn't going to pay something I knew 100 % had already had discharged over 8 YEARS ago. They called again today and I told them I would like to speak to a manager ... .guy said he would transfer me and instead hung-up! I called back and stated I was just about to be transferred to a manager and to please do so and the lady ( this time ) stated the managers had already left about 30 minutes ago! TOTAL SCAM!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX  without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX on, XXXX, almost XXXX and attempted XXXX  multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. 

I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.
Product: Credit card or prepaid card

I have a purchases I did not make on the card.
Product: Checking or savings account

I went to the bank because I could not get into my online account. I tried using the XXXX number but they said the date of birth was wrong that I was giving them. I went to the bank location and each time I try to reset my password I was told there was too many attempts by the app. I had to stand in line several times for almost 3 hours trying to get this straight. I tried to go online again at home because the banker told me to give it some time and it said the same thing. 
I attempted to go into my account again and it told me too many attempts and this was my first attempt in about a month. It said to call the XXXX number. The representative who answered my call had the audacity to say this is a males account and you sound like a woman. I asked for a supervisor and she closed the call because the automatic survey come on. 

I haven't had any sleep since yesterday because of death in the family and trying to get a flight out and a hotel reservation for almost 12 hours at this point. 

I am tired and frustrated and to add to that I feel that I have been a victim of XXXX discrimination. Who gives anyone the audacity or right to say how I'm supposed to sound and whether or not I sound to you like a male or female to them.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I email Cash App support to tell them that I paid {$40.00} for a vendor event and the person didn't provide me documents /location that was needed to attend. I asked them to refund my money or I will have to file a dispute with my bank. Cash App replied back and told me that that was the best thing to do in order to get my funds back and they will listed the merchandise as a fraudulent activities. Meanwhile, they included information for me to submit to them concerning the merchandise and I didn't do it because I thought email them the email conversation between her and I was okay. Meanwhile, days later my account was deactived. 
A few days later I reopen another account under my business name because I knew I had to have funds coming in from clients. They instantly told me that my account is closed and for me to transferred the funds into my banking account. When I tried to do so I was unable to transfer the funds, update new credit card or refund the person ( s ).  I have email them at least 4 times a day concerning this matter. No reply from a human.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that inquiries stay on your credit file for 2 yrs, however the credit reporting agency has to understand that these inquiries I have no knowledge of therefore they are inaccurately placed on my report so Im demanding that they be removed from my credit files immediately, the following inquiries are : 1 )  XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I being trying to fix my credit score with Equifax they are saying that I have a delinquent account with XXXX XXXX XXXX  but they are the only ones putting this in my credit score XXXX have this account close I pay this loan on XX/XX/XXXX I strat a complaint with them on XX/XX/XXXX and they lower my credit score even when I send them the proof that the loans was paid of I did a second complaint with the same result. I need help this is affecting my family cause we are trying to buy a house
Product: Debt collection

This account was opened fraudulently.

This is a Violation of 15USC1611. The debt is not mine own. Rightfully I should not be held accountable for someone else using my information. I have provided FTC affidavits and proved that such allegations are false. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$0.00} XXXX Original creditor : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX I Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX
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  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ( XXXX XXXX  ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX | ACCOUNT # XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) | ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX | ACCOUNT # XXXX  ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX Above said accounts, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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: Money transfer, virtual currency, or money service

I bank with Chime and this is the second time I get money stilling from my account by someone that knows the passcode of my phone to access my online banking without Face ID.An associate normally requests my phone to call make calls so the know my phone passcode for that reason, but each time I give them my phone they will transfer money to their account then delete the notification that comes to my phone but lastly they did take XXXX $ out my account I reached out to chime with a dispute letter about the transact they locked me out of my account and wouldnt accept my verification documents which is my USA I.D and selfie. problems I cant get to pay my rent today because my card and online banking is un accessible and Chime wouldnt accept my documents. I havent been able to get food stuffs since before XXXX was in my house hungry because my bank chime wouldnt take the time to verify my documents properly
Product: Debt collection

I have reached out to this collection agency numerous times ( 3-4 ) in the past months with no response back from them. I called and sent in 2 letters via mail and 1 through email asking for verification of debt that they say I owe and my signature releasing any of my personal information to them and still no response. This violates HIPPA and infuriates me that they give no response back.
Product: Vehicle loan or lease

On  XXXX   XXXX , I call ed USAA Debt Solutio n due to received a letter about loan being pass due. They refer me to   XXXX   XXXX   and I filled out an application for a short term hardship. I fax documents back and was told it can take up to 30 days. I called for updates and told it 's pending. Even called on  XXXX   XXXX  and  XXXX   XXXX  concerning another issue and not told approved. Received letter dated  XXXX   XXXX  threatening repo. Called  XXXX   XXXX  to  XXXX   XXXX  and told was approved for program on  XXXX   XXXX  but no one called to let me know because I 'm on do not call list. Stated no because I get collection call and never requested. Asked for date placed and why but was told no date. Reque sted manager callback. Manager callba ck  XXXX   XXXX  and tell me just got fill out new application because over 30 days. The process takes up to 30 days itself so. She stated ca n't use old approval. Get more calls and stated must pay by  XXXX   XXXX  or will repo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are fraudulent on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX