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

I reached out to XXXX, Experian and XXXX asking them to investigate this account XXXX XXXX XXXX account number XXXX that's inaccurately reporting on my consumer report. I received a response from all 3 credit reporting agencies that this account was accurate and verified. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately. The reporting of this account is a violations of the following : 1. 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 2. 15 USC 1681b Permissible purpose of consumer reports 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. 
This account is reporting as closed but is still reporting a balance, past due amount and still reporting late payments. How can a closed account report a late payment.
Product: Debt collection

American Profit Recovery has placed a collection on all three of my credit reports. I have never done business with them or any business associated with them.APR claim I owe them {$170.00} but have not sent any proof of a contract I signed with them or anyone else. They have used illegal tactics and threats trying to get me to pay this {$170.00}. They have affected my credit by adding this false information to my credit reports.
Product: Credit reporting

Bankruptcy was on XXXX/XXXX/09 and cleared. Should be off of my credit report now.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XXXX  ) 2. ( Department of Education XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XX/XX/XXXX ) 5. ( Department of education XX/XX/XXXX ) 6. ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) 7. ( XXXX XXXX XXXX XX/XX/XXXX ) 8. ( Department Of education XX/XX/XXXX ) 9. ( XXXX XXXX XXXX 10. ( Department Of education XX/XX/XXXX ) 11. ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) 12. ( XXXX XXXX XX/XX/XXXX ) 13. ( XXXX XXXX XXXX XXXX ) 14. ( XXXX XXXX  XXXX XX/XX/XXXX ) 15. ( XXXX XXXX XXXX XX/XX/XXXX XXXX 16. ( XXXX XXXX XX/XX/XXXX ) 17. ( XXXX XXXX XXXX  XX/XX/XXXX ) 18. ( XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH. UPON LOOKING AT MY CREDIT REPORT FOR TRANSUNION, TRANSUNION IS VIOLATING MY RIGHT TO PRIVACY. UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I HAVE A RIGHT TO PRIVACY.

MY INFORMATION AND ALL LISTED ACCOUNTS BELOW HAVE BEEN AFFECTED IN A DATA BREACH. I HAVE NO KNOWLEDGE OF THAT I HAVE NOT IN ANY WAY SHAPE OR FORM SEEN. PLEASE DELETE THESE ACCOUNTS. 


XXXX XXXX Car Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$17000.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$290.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$53.00}. 
XXXX XXXX XXXX XXXXth account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX XXXX I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently had my identity fully comprised. It started on XXXX XXXX  and restarted on XXXX XXXX. They were able to access my online banking information and move money from my account into a newly setup account. I also have multiple credit inquiries on my credit report. 
XX/XX/22 XXXX  XXXX XXXX  XX/XX/22 XXXX XXXX XX/XX/22 XXXX  XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX  XXXX Account Review Inquiry ) Please help me! 

XXXX XXXX
Product: Credit card or prepaid card

1 ) On XX/XX/2019, a contractor gave me a verbal estimate to repair my garage door at a cost not to exceed {$360.00} without additional authorization. He completed the job and showed me that the door was working, and presented me with an invoice for {$860.00}. 
2 ) After arguing with him over both the price and his unauthorized expanded scope of work, I reluctantly paid the {$860.00} with my Capital One card. He left. 
3 ) I went to verify the doors operation, but after opening slightly, it would not budge. The contractor returned from his truck, inspected the problem, and told me it would be another {$650.00} to replace the motor and other parts. 
4 ) It was at that point, I realized that the inflated cost and the new damage were both a fraud. Not wanting to have an altercation, I told the contractor to leave. 
5 ) I called Capital One five hours later to apprise them of my having been victimized and to ask them to assist me in securing a refund. 
6 ) Capital One led me on for several weeks to believe that it was working on my behalf.

7 ) Each time I had contact with Capital One, it was with a different person and I was never able to get a last name.

8 ) Although the contractor is the perpetrator of the fraudulent act, Capital One is the enabler.

9 ) The only item Capital One would accept as validation of my claim is a refund voucher from the contractor ; they could have and should have told me so.

10 ) If I were able to secure the refund voucher, I would not have had any need for Capital Ones assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureaus of account management continues to furnish information on credit file going against FCRA Guidelines. Company sent to information regarding debt. Time of service, I receive medical assistance which covers @ 100 %.
Product: Debt collection

I called today to discuss Complaint Numbers XXXX and XXXX. She states she did see the complaint but that it was not my name. Therefore, she was unable to speak with me regarding the protests. I explained to her that the case goes back to XXXX. She explained that was not a valid case number on her end but gave me a corrected case number of XXXX. She gave me numbers for senior resources then we were disconnected. I tried to explain to her, as I had previously stated, that I had credit protection from Providian Bank at that time when I went to court for the garnishment. Still, I could not find the documentation I saw, and I am attaching this case. It is dated XX/XX/2002. I also have other documentation from Provianian regarding my accounts. Since there is a garnishment, I would like to have this removed from my account. I am a senior raising my XXXX-year-old granddaughter, who is an orphan. I called today hoping to resolve this but was disconnected. Also, I received a notice sent to my school account that I had to start paying {$50.00} per month to them without notification to a school email which is not one that I usually use.

Plus, there are two accounts and I have credit protection on both accounts in which I did list both numbers below. 

Also, I am disturbed about this entire situation from XXXX XXXX XXXX, and my credit did improve, and now I feel if I don't pay this {$50.00} to them, it will severely impact my credit again. I wanted to speak to someone today, but it was mute. I hope you can help me. 

Thank you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and see some unauthorized inquiries that are violating my rights according to the FCRA. I have not authorized nor have I received any benefits from any of these inquiries which means they have no permissible purpose to be on my report and they have violated my rights according to Title 15 U.S.C 1681. THIS IS THE SECOND TIME I HAVE ADDRESSED THIS ISSUE FURTHER NON COMPLIANCE WILL RESULT IN MONETARY COMPENSATION THROUGH LITIGATION DUE TO THIS COMPANY NON COMPLIANCE AND NEGLIGENCE. 

INQUIRIES ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX XXXX & XXXXXXXX XXXX XXXXXXXX despite the multiple letters sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Debt collection

NATIONAL CREDIT SYSTEMS - They have filed a derogatory collection account in my credit file apparently for a rental apartment I have no knowledge about and never lived at. XXXX XXXX and XXXX have all confirmed that my personal information has been compromised on the dark web. I have been attempting to have them remove the account without progress,
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agency Lexis Nexus to at a security freeze to my report with the company I provided all the information by mail, Fax and Phone they haven't provided me with any information that my report has been locked of that the security freeze has been placed on my credit file with there company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax and XXXX  online and I also sent out my credit report along with my dispute and supporting documentation via Certified Mail. It is pass 30 days and I still haven't gotten a response. Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so. I sent my first dispute letters via mail XX/XX/XXXX and I sent my follow up letters XX/XX/XXXX via mail. Please help me correct this issue. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct # XXXX is inaccurately / inconsistently reporting data on my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccuracies and inconsistencies on XXXX and XXXX and TRANSUNION Further, the late payment histories are inaccurate/inconsistent in their respecting reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER. 

I have attached screen shots of the discrepancies, circled.

15 USC 1681e states : ( b ) Accuracy of report 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.

15 USC 1681i states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( 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.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

PLEASE DELETE THIS ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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 confidentially under 15 USC 1681.15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) is reason to believe that the information is inaccurate and this account should be removed from my credit file. 

This Is in regards to Account # XXXX XXXX XXXX XXXX XXXX of {$5200.00} XX/XX/2020. 

in accordance with : 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

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 to believe that the information inaccurate and violating my federally protected rights. I'm respectfully requesting these accounts be deleted. Thank you for your time! Pursuant to the FCRA and the CFPB my rights are clearly in violation and Im requesting that these accounts and inquires also attached be removed accordingly and at your earliest possible convience!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX Card, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. SYSTEM, XXXX # XXXX
Product: Debt collection

Law firm, Sprechman and XXXX, P/A. did cause to be delivered to complainant without explanation or cover letter, a Waiver of Claim of Exemption form, in an attempt to deceive complainant into waiving a right to claim exemption and request a hearing. Complainant answered with a Claim of Exemption Form. Law firm then filed a motion under oath, denying complainant 's claim of exemption. Complainant then provided law firm with Federal Tax Return, pay stuff, Social Security Benefits letter. 

Law firm continued to move forward and filed a claim with the XXXX XXXX XXXX XXXX, and complainant 's employer, XXXX XXXX XXXX XXXX XXXX. 

Consumer alleges Law Firm has flagrantly violated Fair Debt Collection Practices Act, 15, U.S.C., 1692 ( e ), A debt collector may not use " any false representations or deceptive means to collect or attempt to collect a debt. ''
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX, XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute inaccuracy and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there is a discrepancy within my consumer file pertaining to the following accounts : Item XXXX : XXXXXXXX XXXX ( XXXX XXXX ) Account # XXXX Transunion This discrepancy have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that, The information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of the account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that, You promptly delete them from my credit report. I have also attached proof of deletion of this account from XXXX you must follow suite .

I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. 
Please acknowledge receipt of this dispute within 15 days and provide updates on the progress of the investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX I was to be added to my sisters account as Power of Attorney. My sister is currently XXXX XXXX XXXX XXXX XXXX XXXX  and is unable to physically go to any bank. After 4 trips to the bank and repeated ussues to try and accomplish this goal., on friday, XX/XX/XXXX a notary was summoned to the bank and copies of my driver 's license, as well as the power of attorney paperwork and my social security information was obtained by the bank. I was told if there was any problems I would be notified. I did not hear anything and had no reason to think there was a problem. However, in XXXX of XXXX I was asked to get some funds from my sisters account only to find out my name was not listed on the account. Any information regarding the above visit was unable to be located and had apparently been lost, mishandled, and misplaced. The confidential information was nowhere to be found. Repeated phone calls 2 different branches at different times of day go unanswered and unresponded to. Where is the packet of confidential information? I did everything that was required of me howver, the bank was incompetent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procr was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and37 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach and requires me to pay to freeze my credit, even though I was affected.