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

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX NC XXXXXXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I have been disputing this issue with all three bureaus they keep saying the information is correct and accurate from the creditor point of view this is the problem I felt behind on my payments they repossessed my car but before they repossessed it I asked for and extension before I got behind they told me I had to make the full payment then they would see If they could set it up I told them if I had the full amount I wouldn't need and extension then I felt behind they repossessed the car called me and said how much I had to pay to get it back I paid it we talked on the phone and I paid it took three days to get it after I paid the money I agreed to pay XXXX a month until I catch up with the past due payments I did that for a few months and I couldn't afford it so we worked out another agreement that I would pay XXXX by weekly starting my next pay date so I split the payments but they have been reporting to the bureau like I'm not paying at all they have all x, s since the repo and I have been making payments and on some of the balances after the payment it didn't change it went down a few dollars or in some cases after I paid it went up so I even asked if I had any extra fees they said no then I called again and one rep said I had interest I asked how then they hung up I called back they connected me to someone else l keep trying to get this straight and everyone making me feel like I'm crazy like I can't add or see what's going on and they also have on my report that I have 29 missed payments and I would like to have that corrected as well if I would've had that many missed payment they would have repossessed my car again
Product: Debt collection

FH Cann was sold my school loan from XXXX, I have made a repayment plan with the department of education. XXXX no longer exists and sold its debts to FH Cann, which I XXXX is illegal because its a XXXX loan from the department of education.
Product: Credit reporting or other personal consumer reports

XXXX XXXX shared my information to early warning services , llc which is a non affiliate and dont have my consent and or written permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX XXXX XXXX in which was XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX and the date of inquiry XX/XX/XXXX. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, INFORMATION XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX XXXX, the inquiry date was XXXX and CITIBANK NAXXXX, XXXX XXXXXXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and Citibank are unrecognized credit companies to access my credit report for this reason. A recent company that goes by CITIBANK NAXXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is 9704248812.THe dispute confirmation number provided by XXXX is XXXX For all the hard inquiries mentioned above, I didn't give the company authorization to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. The dispute confirmation number is 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 XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

Remove the fraudulent accounts resulting from identity theft from my credit report immediately, as I have serious doubts about their accuracy, or face legal action consider this your final warning. I demand swift resolution, and I expect written confirmation of the accounts ' removal to ensure accuracy in my credit report. XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX and XXXX XXXX XXXXXXXX Date Opened : XX/XX/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. 

- XXXXXXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Here is a list of all my hard inquiries above that 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 an account without my written instructions
Product: Credit reporting 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 ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX
Product: Credit card or prepaid card

I received a letter dated XX/XX/2021 from Chase to close my credit cards ending in XXXX and XXXX. The reason was I had a previous account closed and no other reasons. I've used my account for nothing but personal transactions and do not understand why a previous closure would affect my new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Debt Relief has taken out several thousands of dollars out of my deposit account for there " service fees '' prior to settling multiple accounts. I have moved my business to another debt relief company. I have tried multiple times to get the fees back for the settlements that they didn't fully settle but they think they have a right to the monies. They did fully settle one settlement but for two others they took out the fees upfront. I am looking at close to {$2000.00} in reimbursement from them and any other attorney fees. Also some compensation for losing time off work, effecting my emotional state another {$1500.00}. Total for {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the lawXXXX 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 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 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
Product: Money transfer, virtual currency, or money service

HEY YOU GUYS SAY A CHECK WAS SENT TO ME. DO YOU REMEMBER WHAT ADRESS WAS LISTED ON THE CHECK AND WHO CASH THE CHECK? I NEVER RECEIVED THE CHECK. THATS WHY IM REPORTING THE BANKK BECAUSE I NEVER GOT MY CHECK. ITS ALMOST TWO YEARS LATER. I THINK SOMEONE ELSE GOT THAT CHECK AND CASH IT. DO YOU HAVE ANY PROOF ON WHO CASH THE CHECK?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX  my wife tried to load {$260.00} into my cash app when cash app wouldnt let her so she sent it to me thru XXXX XXXX and I sent it to my cash app so I walk to the store on the phone with my wife my XXXX XXXX when my XXXX XXXX went dead so I had to pull my phone out my back pocket where my card was and I had a little piece of paper with PIN number on it and it fell out my pocket so I tried to retrace my foot steps to located my card while I was searching for the card I received an alert to my phone saying {$260.00} was taking from my account so I immediately contacted cash app via phone call and the app to try to stop it but it was to late so an agent assist me with filing a dispute and told me it would take 10 days to get it resolve after 1 day I received and email stating my dispute was denied its seem as if cash app is not protecting consumers money when it comes to fraudulent transaction me and my wife work to hard for our money and for someone to steal it and get told your dispute is denied confirms cash app supports fraud
Product: Credit reporting

I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from Transunion, XXXX and XXXX is that the accounts were verified and are correct. This is untrue as I have letters from the State of Maryland stating that the debts are satisfied and has been for over one year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
DEPTEDXXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report 2. there is some inaccurate information reporting. 
DEPTEDXXXX  Account XXXX : XXXX Please remove this inaccurate student loan from my report 3. The following status is Incorrect and unverifiable DEPTEDXXXX Account XXXX : XXXX Please remove this inaccurate student loan from my report 4. there is some inaccurate information reporting. 
DEPTEDXXXX  Account XXXX : XXXX Please remove this inaccurate student loan from my report 5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

RC/Resurgent Receivables have a negative effect on my credit report stating XXXX is owed which is incorrect under US 15 code 1601!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised I'm a victim of identity fraud. Please remove these inquiries from my credit report. 

XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type IndividuaXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type IndividuaXXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXXXXXX XXXX XXXX XXXX  OH XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX @ approximately XXXX we met with someone who my husband had been communicating with through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX He was wanting to purchase a XXXX XXXXXXXX XXXX XXXX XXXXrom my husband. The amount was for {$9000.00}. The person said it was late and could not get the cash from the bank and ask if we could receive it through Cash App? We agreed only after confirming Cash App accepted receiving that amount of money. He got my Cash XXXX name and stated he sent it, I did not receive and he and I agreed it may be from service not being very good in the location we were in. He repeatedly said it sent on his end and we will get it. Stating it come out of his account with XXXXXXXX XXXX that he had an account with XXXX and with XXXX in XXXX, XXXX We agreed we would keep in touch if it did not, It was getting late so we agreed. 
Before we got home he canceled the transaction. I tried requesting again and he refused and blocked. I have contacted Cash App several times and tried to get information from Cash App and they only sent me a statement confirming that the money was never transferred into my account. The XXXX XXXX XXXX Department in XXXX XXXX was contacted and a report was filed but no help from anyone. So out a motorcycle and the cash. On Cash App and XXXX his accounts where fake accounts so we have no way to get in touch with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to credit bureaus, local law enforcement and creditors the errors/fraud reporting on my credit report and nothing has been done. I'm filing a complaint to have fraudulent accounts deleted from my credit report upon receipt of this notice. I contacted the court and they do not have a record of a Bankruptcy Chapter XXXX for my name. So I am requesting it be removed from my public record. XXXX XXXX, XXXXXXXX, Dept of Vet affairs, Social Sec Admin, XXXX XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX, are all fraudulent accounts that I did not authorize, benefit from or was aware of. Please remove them permanently as soon as possible.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS AND 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of XXXX XXXX This error on the credit reporting agency part is destroying my life, I am XXXX and now suffering of XXXX I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in XXXX and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 USC 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.The violations include obtaining information under false pretence, pursuant 15 USC 1681q ; permissible purpose of my consumer report.15 usc 1681b
Product: Debt collection

I have not received all the required information for this in the initial email communications from True Accord. They have sent me text messages after XXXX every night. The email is limited on information provided and wants me to click a link that could be a virus. It says in the email that there was an initial communication but I have nothing in my emails about a prior contact with this company. Just this ( see screenshot )
Product: Checking or savings account

My checking account with BofA, was closed and reported as fraudulent activity. I had {$100.00} stolen from me, as well as fraudulent checks deposited into my account by a company I was using to obtain employment. My checking account was closed due to fraud activities that I was a victim of.