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. 

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. 

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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ga XXXX Dear XXXX, XXXX, Transunion This is a XXXX  that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened XXXX XXXX XXXX XXXX XX/XX/XXXX, another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as well as personal loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. An personal loan opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX an personal loan with XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX Collection Account XXXX XX/XX/XXXX Collection Account XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On my report from XXXX there is a listing from U.S. Bank my bankruptcy filed on XXXX/XXXX/2012 included this account. Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a 0 balance. FTC OSC section 607, item 6 states : " A consumer report may include an account that was discharged in bankruptcy, as long as it reports a zero balance due to reflect the fact that the consumer is no longer liable for the discharged debt and there should be no additional reporting after the bankruptcy filing date.
Product: Credit reporting or other personal consumer reports

This credit bureau stated that they investigated this issue and mailed me the results. I received these results but it failed to state how they did a fair investigation on the thing I am disputing. How did the credit bureaus verify my bankruptcy as 100 % Accurate? Did they get the information from the courts? Because the court stated that they do not report to any credit reporting agency. So, how was this investigation done fairly and accurately. 

They never did a fair investigation according to the 15 USC 1681. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 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. 

I have attempted, repeatedly, to get a fair and accurate credit report with this bureau by disputing and have gotten no resolution from them.
Product: Credit reporting

Equifax I found another dispute that you failed to investigate with in the time 30 day time frame that you have to investigate I kindly ask you to please this dispute from my credit file This one is going to be confirmation XXXX open on XX/XX/XXXX 17 and it should have been completed XXXX 17 could you please have this item delete from my credit file as you failed to complete your investigation see attached document line 14 from the Bottom down. Thank you so much
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told/informed Experian, XXXX, and XXXX to XXXX and or remove these accounts : FRAUDULENT EXPERIAN, XXXX, XXXX XXXX ACCOUNTS XXXX XXXX. XXXX XXXX  XXXX {$300.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX  XXXX {$300.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$300.00} * Account # : XXXX * Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$300.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$500.00} * Account # : XXXX * Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$300.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$500.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX {$9200.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX {$1600.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  > {$720.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$970.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX FRAUDULENT HARD INQUIRES XXXX. XXXX XXXX XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX * Date Opened : XX/XX/XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b, 15 U.S.C 1681n-2.
Product: Credit reporting or other personal consumer reports

I have inquiries on my account that i did not do back in XXXX and XXXX i call the company to talk to them about it and they did not do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i have been violated of my consumer rights XXXX, Experian, and XXXX are reporting a ( Bankruptcy XXXX XXXX  ) on my credit report that need to be deleted and removed they are breaking the consumer law pursuant 15 U.S, CODE 1681b- Permissible purpose of consumer report i never gave them permission to report a bankruptcy and i reached out to the Bankruptcy court and they stated in the attached letter that they are not a reporting agency company that furnisher nor verify information to the 3 reporting agency Experian, XXXX and XXXX XXXXlso pursuant to 15 U.S. Code 1681c-2 block of information from credit report i have my attached FTC paper and im giving a statement that the information is not relating to me the credit reporting agency can't verify this is my public record nor did i give them written consent. i will like for the CFPB to resolve this problem before i take legal action with the civil court this public record is hurting my credit report and stopping me from obtaining good credit
Product: Debt collection

I had a warranty membership with best buy which i cancelled in XXXX by speaking with a customer care agent i was told in more than one conversation that i would not be billed and the membership was cancelled I even cancelled the credit card and they are still billing me
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit profile to get ready to buy a house. While checking credit, I've noticed fraudulent accounts and inquiries on my credit profile which will be listed in attached Identity theft affidavit. I've called all the original creditors who told me to file police report with local police department and file disputes directly with credit reporting bureaus. This same instruction was given by credit bureaus themselves.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit inquiries deletion. 
Transunion would not delete unauthorized credit inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that is fraudulent somebody else did it. I didnt do it its not mine. The inquiry is FB 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

I have contacted Equifax via telephone, fax and certified mail. Stating to them that several of the inquiries on my report were not authorized by me. I started my disputes with them in XX/XX/2017. I have even received letters from several of the disputing companies, stating that they did have my permission to authorize the inquiries and they stated that they would have them removed from my credit file. I have explained this to equifax reps and they still refuse to take them off my credit file. 

I recently spoke with a equifax rep and she tried to walk me through entering an online dispute so that I could instantly upload my docs. After SEVERAL attempts, the upload page would not come up ( this puzzled the rep and she stated she do n't know why that page was n't working ). It would n't come up for me or her! I tried again today and that page still wo n't come up. I have been trying to fax them again for the last two weeks and my fax 's keep getting rejected. I am tired of begging them to remove these items from my credit ... I simply want the unauthorized items removed.
Product: Debt collection

I agreed to pay a debt with Enerbank USA for XXXX XXXX now known as Regions. I fell upon some hard times and was unable to pay the debt. When I reached out to settle the debt the company stated I owed almost twice what the debt was. They have tacked on so much interest and other charges that I am unable to settle with them. They are also reporting the debt on XXXX different account numbers stating I owe the debt to them twice. The representatives try to intimidate you saying that the call is recorded and that if you don't agree to make the full payment being requested, they will put a lien on your home and sue you for the amount they are asking. I have called several times and they have little to no compassion for the consumer and or to resolve the issue. 

Enerbank USA XXXX Regions XXXX
Product: Money transfer, virtual currency, or money service

I've been trying to close my PayPal account for over a month. I canceled all my reoccurring subscriptions as it told me, waited, and tried to cancel my account and it still won't let me. messaged the company multiple times and it said to wait and that they would message me back and they never did. So, finally, I tried again on a computer, and now it is saying I have to call them between XXXXXXXX XXXX and XXXXXXXX XXXX Eastern time M_F. But ( today is Tuesday ), when I call it says they are closed and their hours are XXXXXXXX XXXX to XXXX XXXX Pacific time. I just want to close my account and it seems virtually impossible!
Product: Credit reporting or other personal consumer reports

For the last 2 years I have been fighting a vehicle loan ( XXXX XXXX ) that's been on my report ( Equifax and XXXX ) that isn't mines it is a fraudulent account I have submitted police report ftc report etc over and over and the company ( XXXX and Equifax ) they hit me with invalid ftc report number a ftc representive has even submitted one they never remove it instead just send dispute to company ( XXXX XXXX ) claiming its my debt and then comes back verified I have even reached out to the company stating it was idendity theft still to no avail.
Product: Credit reporting

I sent a letter to Experian requesting validation of an inaccurate item on my credit file. The letter included the very pertinent information as they themselves use. If Experian is not able to identify me by the very information that they are allowing an alleged collector to use in order to make a claim, how could this be considered fair credit reporting practices? 

Instead of validating the item in dispute, Experian replied with a request for unreasonable and unnecessary personal information from my personal files, such as a copy of my drivers license, utility bill, bank statement, social security number, complete spelling of my name, and addresses for the past two years.
Product: Debt collection

Receivables Performance at XXXX XXXX XXXX XXXX # XXXX XXXX, Wa XXXX has been sending me collection notice in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Payday loan

after being solicited i took payday loans in ny 7 years ago which to my understanding now was illegal to lend here then. Then i got a lawyer and they got em paid but charged me more than the loans over time.I a XXXX year old XXXX vet and these debts are paid they are all response via email and i do n't know how to send them
Product: Credit reporting or other personal consumer reports

EQUIFAX has made two big mistakes on my credit report. 

The first mistake being they had wrong information on my credit report saying i had a student loan account in collections. when i did NOT have anything in collections. Not only was that information wrong but the details of the account information was wrong. 

I contacted Equifax over the phone spoke to a lady who helped me dispute the collections issue i had on my account. she also created an online Equifax account for me! so that i could track the status of my dispute. 

This is where the second huge mistake Equifax made begins! one week after my inital dispute i checked my EQUIFAX account that the lady had created for me to see the status of my dispute..saw that they finish their investigation so i called Equifax back to see what the answer was. 

When calling them back i had to do the exact same portocol i had to do a. week prior which is giving them my SS and address. whne doing so they said im not in their system! they dont have an account that matches that social, they said that cant help me unless i send my personal information via mail. 

i called a few more time after that to get more answers! till i finally spoke to someone who told me they mix matched my file .... meaning my personl information is on someone else SS number ( apparently its ona number off from mine ) they told me i had to send my id and my SS via mail... so i did called back a week later AFTER I SAW MY INFORMATION was delivered and EQUIFAX SAID THEY DIDNT HAVE IT AND ASKED ME TO SEND IT ONE MORE TIME. 

Mind you i have proof that my id and SS was delivered to the XXXX XXXX Equifax asked me to send it too on the XXXX at XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 usc 1681 ( a ) ( 4 ) i am a consumer of this federal corporation. My federally protected rights have been violated. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH FIRST POINT COLLECTION SOURCES WHICH IS A VIOLATION OF 15 usc 1692e. NOR HAVE I GIVEN WRITTEN CONSENT FOR THIS ITEM TO BE FURNISHED ON MY CONSUMER REPORTS. WITHOUT MY WRITTEN OR ORAL CONSENT ANY COLLECTION OF A DEBT ON MY CONSUMER REPORT IS A VIOLATION OF 15 usc 1681b. EACH VIOLATION IS PURSUANT WITH 15 usc 1692 K, WITH EACH VIOLATION BEING WORTH {$1000.00} EACH OR 1 PERCENT OF THE COMPANIES WORTH. I DEMAND THESE ITEMS BE REMOVED FROM MY CONSUMER REPORTS OR PAY ME {$1000.00} FOR EVERY MINUTE THAT ITS BEEN ON MY CONSUMER REPORT.
Product: Money transfer, virtual currency, or money service

I went to Wells Fargo on XX/XX/year> to report a cashiers check missing and to place a stop payment. The gentleman told me that XXXX wanted me to buy a surety bond for XXXX XXXX  so they could insure the funds. I agreed and signed the paper. XXXX sent an assumption certificate at XXXX pm on XX/XX/year>. They said to issue a replacement check to me ( XXXX XXXX ) on that day. The bank XXXX XXXX has refused to give me my funds or my re-issued cashiers check since then. It's currently XX/XX/year> and I just want my money. Wells Fargo shouldn't be able to steal people 's money. She says she will issue my XXXX XXXX when she has time to call and meet with me, but I didn't need her to buy the check, any bank teller should be able to print a check!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Experian because my character has been defamed. I demand that these accounts below be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

I have this account in collections from XXXX XXXX XXXX original creditor was XXXX XXXX XXXX this was already paid for In full. I keep getting phone calls and one of the reps told me back in XX/XX/2019 this would be off all my credit files since this was paid in full. 

I am unsure as to why it is still there and hope you guys can help solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by XXXX XXXX XXXX. on XX/XX/XXXX including my account. 
My complaint now rests with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and you have a FTC Affidavit that I submitted to the Credit Bureau but they refused to remove the fraudulent accounts. I have no knowledge of the accounts and requested the bureaus provide me with information regarding their decision and they are violating my consumer rights by refusing to provide you with proof. i have no knowledge of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the following inquiries.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Paypal has locked my account under login ID : - XXXX and there on the account i do have Paypal credit and paypal master card which stands inaccessible. so either paypal needs to go ahead an initiate a closure of both these stated accounts and confirm back. Ofcourse i don't want to continue using the paypal account for that " Still not justified '' negative balance which was on the account before it was locked. Bottom line- I want paypal to close the Credit and Credit card account and get a closure confirmation. Thank you good bye paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact each creditor and credit bureaus with NO results I am a victim of identity TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX Balance : {$2300.00}