23daVinci/CFPB_Complaints huggingface dataset:
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I originally started the dispute on some accounts that are negative on my report in XX/XX/2018. I disputed these Mark 's because they contained incorrect information when referencing dates and the fact that, while it was necessary who recieved services, it is not my bill. I say this because I am a XXXX   XXXX survivor and had been XXXX 6 times when emergency services had me XXXX XXXX to the nearest trauma center. The defendant XXXX XXXX XXXX XXXX XXXX plead guilty to the offense XX/XX/2018. Upon my dispute, both XXXX and Equifax were timely in their investigations and its conclusion. Both of which, followed through with my dispute by removal of them from my report. However, weeks later, Equifax then put that negative remark BACK on my report AND under a different name so that its having a greater effect. When I say contacted them, they're reasoning is over identity purposes. They're claiming that cant prove that I am me who made my dispute. When attempting to do correct this, they commended to ask me extremely vague questions that were so broad and long that there were actually any one of a number of answers that could be given and be correct and/or incorrect. No one bothered to ask or tell me what else I might could do. Meanwhile the negative remark is still very much there and causing me issue with my personal finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a balance on my credit report. This account has been paid and the balance should be {$0.00}
Product: Credit card

I was charged {$400.00} in an overpayment by XXXX. XXXX on my Commenity Bank credit card and the agent from Commenity bank failed to register this complaint when I called it in. I called XXXX complaints into Commenity Bank within 90 days from the overpayment charges, XXXX for the {$400.00} and another for {$300.00} but the Commenity Bank agent only filed XXXX of the overcharges, the {$300.00} of which I received a credit. A Commenity Bank manager resolved the dispute by giving me a {$400.00} credit on my statement. Commenity then reversed the credit and re-charged me the {$400.00}. I mailed a check under protest and sent them a letter to this effect. I want the credit reinstated as it was not my fault that the agent failed to register both claims.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In 2020 I was a victim of identity theft. My bc, ss, Identification everything. The person leased a apt in my name. I trying to delete the account, stained my credit and am not to lease Apts. The collection is National Credit refused to delete information {$3100.00}. It temporary removed from XXXX and XXXX now is on the collection. I have to live in the streets because of this. I have been ill because of this matter. Please remove the negative comment!!!
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX5 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and inaccurate accounts have been fraudulently added to my consumer report. I have submitted multiple disputes to [ Equifax/XXXX XXXX  under my rights in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i, yet these fraudulent accounts have not been permanently removed.

I provided the required documents, including : A copy of my government-issued ID FTC Identity Theft Report A written request specifying the fraudulent accounts Per FCRA 15 U.S.C. 1681c-2 ( b ), once an item is removed due to identity theft, it shall not be reinserted into my consumer report. If any of these accounts are re-added, the credit bureau is violating federal law. 

I demand the immediate and permanent removal of the following fraudulent accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The credit bureau 's failure to remove these fraudulent accounts is harming my financial well-being, and they are in violation of federal law. If this matter is not resolved immediately, I will escalate my complaint to the Federal Trade Commission ( FTC ), my state attorney general, and consider legal action under FCRA 15 U.S.C. 1681n, which allows me to seek damages for willful noncompliance.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX and I am customer with MoneyLion. I have had the pleasure of opening up an account with MoneyLion on XX/XX/XXXX. MoneyLion offers great services that have helped my out financially and is currently helping my work on improving my credit. I have had great service with your company until today. I reviewed my checking account with XXXX XXXX and saw that {$3200.00} was deducted from my account on XX/XX/XXXX. This transaction was not authorized and I could not believe that something like would ever happen to me. I contacted the Customer Service Department today and was told that I owe this money for loans that I did not pay. I was furious and upset and the Customer Service Representative did nothing to acknowledge my situation or to assist me with refunding my money. The Customer Representative actually advised me that the system shows that I have only paid {$3.00} on the loans that were deposited in my account. This is clearly not accurate. I have bank statements showing each deposit that was placed in my account as well as each withdrawal that was deducted from my account for repayment. My loans have been paid in full. I also spoke to a Supervisor that gave me the same information. I have worked in the XXXX XXXX for over 20 years and would not think twice about treating any of my customers in this manner. This type of service is unacceptable. I was also told that I was at fault without taking the time to thoroughly investigate this issue. I am not sure if the Customer Service Representatives were not trained properly or if there is an issue with the system. I did not receive the help that I needed today and I am truly at a loss for words at this point.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to reply to a pre-approval I received from my bank. When I went to apply for the credit card my banker told me that I was not approved. I pulled my credit and there are things that are not mine. I have contacted the FTC and my local police. I am also doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, IXXXX XXXX AN ACCOUNT WITH NO NAME ENDING ACCT XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, Im a co-signer on my daughters student loans with Discover Student Loan. She became delinquent while trying to get her unemployment monies during COVID. She called Discover numerous times to go on record letting them know she was trying to get the pin number re-set on her funds from Unemployment Compensation. She had {$2000.00} in Unemployment Money that would have paid her student loans. She was laid off due to COVID. Unemployment was inundated with telephone calls, and it was practically impossible to get through on their phone lines. She was never offered help through Discover. They found multiple call logs from my daughter calls/discussions with their representatives to insure she would be paying. She was assured by a Customer Representative that she would not be turned over to the Credit Bureau. If she had been informed otherwise, I would have stepped in and paid the loan as I am the Co-Signor. Anyway, we spoke w/Discover multiple times, and they admitted an Employee stated this to my daughter in error. They stated they contacted the Credit Bureau to request the reporting be updated, and were advised that there is nothing that can be done to change the reporting. I am not confident that they actually took this step. We received so much misinformation, no call backs, and representatives that stated they could not speak to me, etc. I really do not trust that they made any attempt to correct the reporting. They record all of their calls, and they found the conversation, yet the refused to take responsibility for the misinformation. Anyway, shortly after that statement from their employee my daughter received her unemployment and paid the past due amount bringing the account up to date. 
This is a case of a company not offering any leinency during COVID, and more importantly not standing behind the information that THEIR employees provide to their customers. 
Please provide feedback to my request. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access personnel when calling the dedicated toll-free numbers during normal business hours. This has been with XXXX, XXXX and Transunion. During normal business hours, countless calls to the dedicated toll-free numbers received a busy signal or message indicating that I must call back because all representatives are busy. Unreasonable hold time while waiting to speak with personnel during normal business hours. Section 609 ( c ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681g ( c ) ( 1 ) ( B ) XXXX, TRANSUNION, and XXXX are obligated by the FCRA to report accurate accounting. I have advised ALL the hard inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed. I am now requesting ALL XXXX agencies to provide the documentation used to determine inquiry was indeed authorized by me. They have 15 days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature, I am not asking for an E-Oscar report. IF XXXX, TRANSUNION, XXXX do not provide documentation to show these were in fact authorized, it MUST be removed ASAP. SAID company 's are liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB Forms to audit my consumer account. These companies are securitizing my consumer data yet refuse to provide me with a copy of their consumer file, NOT a consumer report. 

XXXX XXXX file number XXXX TRANSUNION XXXX XXXX Number XXXX XXXX XXXX File Number It is also to my attention that XXXXXXXX XXXX  has charged-off a debt owed without provided me with a 1099-C The creditor sent a copy to the IRS. If I don't acknowledge the form and income on your own tax filing, it could raise a red flag. Red flags could result in an audit or having to prove to the IRS later that I didn't owe taxes on that money. Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. I have called several time to retrieve the 1099C and I'm being met with being put on hold for long amounts of time then disconnected. I am not sure if my account is flagged when I call but I cant seem to get through.
Product: Debt collection

The account in question was opened without my knowledge or permission and I request this debt to be removed. Portfolio Recovery is attempting to collect a debt that was open fraudulently.
Product: Credit reporting or other personal consumer reports

Formal Dispute Regarding XXXX XXXX Account Request for Immediate Deletion I am writing to formally dispute the reporting of an account associated with XXXX XXXX on my credit report. Based on the detailed account history provided below, it is clear that the reporting of this debt violates the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I request the immediate deletion of this account from my credit report for the following reasons : Account History Overview Original Creditor ( XXXX  ) : Charged off with a date of last activity on XX/XX/XXXX and date opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Deleted by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX ( XXXX ) : Deleted by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
Current Collector ( XXXX XXXX ) : Active and disputed, with a date of last activity as XX/XX/XXXX and a reopened date of XX/XX/XXXX. 
1. Violation of FCRAs 7-Year Reporting Limit Under FCRA 605 ( a ) ( 15 U.S.C. 1681c ), adverse accounts such as charge-offs and collections must not appear on a credit report more than seven years from the date of first delinquency ( DOFD ). The DOFD for the XXXX account is XX/XX/XXXX, making this debt time-barred for reporting as of XX/XX/XXXX. 

XXXX XXXX has improperly re-aged the debt, claiming a new last activity date of XX/XX/XXXX to extend the reporting period unlawfully. This constitutes a clear violation of FCRA guidelines and requires immediate removal of the account from my credit file. 

2. Previous Deletions by XXXX XXXX XXXX and XXXX This debt has already been investigated and deleted by two prior collection agencies XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The deletion of these accounts indicates that they could not verify the validity of the debt or their ownership. XXXX XXXX reappearance of this account contradicts prior investigations and violates FCRA 1681s-2 ( b ), which requires accurate and verifiable reporting.

3. Misrepresentation of Debt and Re-aging Violations ( FDCPA 807 ) The reporting by XXXX XXXX constitutes a deceptive practice under FDCPA 807, which prohibits misrepresentation of the character or legal status of a debt. Re-aging the debt and reporting it as active in XX/XX/XXXX is a fraudulent attempt to revive a time-barred debt and mislead both creditors and consumers. 

4. Failure to Respond to Debt Validation Request In XX/XX/XXXX, I submitted a formal debt validation request to XXXX XXXX under FDCPA 809, and they failed to provide any documentation to substantiate the debt. This failure makes their reporting legally invalid and requires immediate removal of the account. 

5. Inaccurate Reporting of Debt Amount While the original debt owed to XXXX was {$2000.00}, XXXX XXXX is reporting inconsistencies in dates and amounts that contradict prior reporting by XXXX XXXX XXXX XXXX XXXX Under FCRA 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy, which has not been achieved in this case.
Product: Payday loan, title loan, or personal loan

The number used to make my affirm account XXXX XXXX XXXX was spoofed and registered by someone under XXXX  while I had it under XXXX XXXX XXXX. It never got rectified so my number was changed to XXXX XXXX XXXX. I submitted the identity verification twice but they keep claiming I only asked to have my number changed via telephone which is false. I had to add payment via phone since my account is not accessible and they keep denying that proper information which has been submitted twice via the proper forms. To make things worse, the person who stole my number can access my information and I have gotten a report from from XXXX  saying new loans I don't recognize were added from affirm. I received the notice today.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if Account XXXX : XXXX CARD Date : XXXX Account XXXX : XXXX XXXX NA Date : XXXX Account XXXX : XXXX XXXX XXXX Date : XXXX Account XXXX : XXXX OF XXXX Date : XXXX Account XXXX : XXXX CARD Date : XXXX Account XXXX : XXXX XXXX Date : XXXX Account XXXX : XXXX XXXX SER Date : XXXX Account XXXX : XXXX XXXX NA Date : XXXX Account XXXX : XXXX Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working on my credit for years. I feel that I'm not being represented properly. I've done all to repair my credit. I call and sent letters to the reporting agency to have inquiries and negative remarks removed on my behalf due to fraud. And I'm always getting the run around. I'm tired exhausted and want to give up on life. This is causing a strain on me and my family. My business is soon to crumble over this. And it seems like there nothing I can do. I've done the extreme, but this is my last fight. I hope you can help me. I