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. 

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

15 U.S.C 1681 Section 604 A Section XXXX : 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 XXXX 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

I am being harassed by 2 companies. XXXX and XXXX XXXX. I was making payments on both accounts and they started making calls and submitted for delinquency. I told them I am on a flat income & XXXX. I was paying hundreds at a time when I had the money & when things got difficult they didnt care. I told them Id pay a portion but it wont be what they want.. {$400.00} at a clip. Maybe their system got used to seeing large payments & I no longer have that ability. XXXX dropped our insurance on our purchase & violated contract. We told them since XX/XX/XXXX and they refuse to escalate it but call every 30 min. XXXX was a card I got through the job that let me go for being XXXX and unable to work. I was paying $ 150- {$200.00} at a time but that wasnt enough for them. They also call very frequently. I was put into delinquency while paying back in XX/XX/XXXX, this is ridiculous. Why pay anything if they report me when I pay them {$200.00} and they want {$400.00}. Theyre getting paid, I didnt abandon payment. So having calls every 15 min to 1hour is ridiculous. I made them aware of my financial issue and had a great prior pay history. Its unacceptable to call someone 6-12 times a day
Product: Checking or savings account

I recently opened an account with Majority, an online bank that presents itself as a bank for migrants. The account was approved, I was sent a debit card. I recently transferred money from a gaming app into my Majority Account. It was me as the payee but listed my brother as the XXXX gaming account holder. They froze my account no warning to explanation. You can either chat with them through the app or call them. They blocked my access to the app and blocked my phone from being able to call them. All I got was a busy signal. I picked up another phone and was able to dial in just fine. I spoke to a representative from there and he said the deposit had a different name. It was my brother XXXX XXXX and XXXX XXXX XXXX. Given the same last name you would think they could reach out to find out whats going on but no they didnt, they froze the account no email no warning. Then they asked me to illegally provide them with my brothers personal information and pictures to unlock the accounts they have put me in a financial bind, still locked account, no updates.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, Consumer and Natural person who its a victim of identify theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which Experian, XXXX and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy. 
I enclosed all documents social, ID and statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT.I HAVE NO IDEA HOW THE ACCOUNT GOT ON MY CREDIT AND I WOULD APPRECIATE IT IF YOU COULD PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. 
I HAVE A LOT OF THINGS I WOULD LOVE TO ACCOMPLISH AND BECAUSE MY CREDIT IS IN SUCH A HORRIBLE STATE, THERE IS NOTHING MUCH I CAN DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Collection for an account on my Credit Report that I did not initiate or own. This is totally false and appears to be a fraud or a scam. I do not have any debt from XXXX XXXX XXXX nor have I ever been made aware of such debt until it appeared on my Credit Report. Credence Resource Management Co. is claiming a debt in my name is owed. 

I can not believe a person with great credit history can be scammed like this. 

100 % untrue and appears this is fraud or identity theft. 

My XXXX Credit Report is the only XXXX of the XXXX Credit Reports ( XXXX, XXXX ) that does not have this incorrect information of a Collection. 


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

I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (
Product: Debt collection

Debt collectors Proof of Service shows that a " XXXX XXXX '' received the documents at a location which is not my work or my home. Violation of my 5th and 6th amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the FCRA any unverified or unauthorized accounts or inquiries must be removed from the credit report. I have called them, sent the FTC report and the fraudulent account and disputed have still not been removed. 

Letters have been sent over the past 90 days without any response from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said that all reporting on accounts takes up to 45 days. I let them know it's been over 45 days and they sent the same thing. Nothing had been updated to the credit bureau. I have 4 different accounts with them that all have been paid off in full for months and they have not updated anything.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actually real human to read this complaint. I'm invoicing Equifax in reference to the Inquiries removed that were violating my consumer rights. I appreciate the removals. I just want a {$1000.00} per Inquiry removed per 15 USC 1681n. I'll have proof attached of the Inquries that were removed and also an invoice. If we can't resolve this issue, then I will take my evidence and violations of the law committed by your company to Arbitration.
Product: Debt collection

A couple of years ago I took out a loan from a company named XXXX XXXX. They ceased communication with me about a year ago but within the last few months National Credit Adjusters has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.
Product: Credit card

I have a Best Buy/Citi Card. I was 3 days late on a {$25.00} payment, they charged me a late fee of XXXX. Since then they have been calling me from an automated service 3-6 times a day, even Sunday.
Product: Credit reporting or other personal consumer reports

I was affected by the equifax data breach and would like this false information on my credit report removed em media telly under the fair credit reporting act code 15 U.S.C. 1681
Product: Credit card

I have a CitiBank XXXX XXXX Credit Card. I previously had autopay set up with my XXXX savings account ending in XXXX. In XX/XX/year>, I opened a new account with WealthFront ( also XXXX XXXXXXXX XXXX XXXX ) which ends in XXXX. On XX/XX/year>, I linked my XXXX account to CitiBank as a method of payment ( see attached email ). On XX/XX/year>, I was charged a {$30.00} returned check fee when CitiBank attempted to charge my XXXX savings account for the last statement balance of {$270.00}. XXXX notified me that it was rejected as insufficient funds. As soon as I opened the email notifying me of this, I opened my CitiBank account and paid the full balance of {$410.00} through my XXXX account. See the attached CitiBank statement ending on XX/XX/year>, for proof of these transactions. I was not previously charged any fees in the multiple statement periods between when I added my XXXX account on XX/XX/XXXX and this fee on XX/XX/XXXX. I contacted CitiBank on XX/XX/year> to ask that they waive the {$30.00} fee, but they declined to do so. 

I have always paid all my bills on-time and I have referred this Citi card XXXX many of my friends, even when there is no referral bonus, because I enjoy being a Citi cardholder and previously had great experiences with my card. I paid more ( {$410.00} ) than the balance due for XXXX ( {$270.00} ) as soon as I found out about this issue. This is the first time I have ever been charged a returned check fee. I would like to respectfully ask that Citi waives the {$30.00} fee given this reasonable mistake and possible glitches in their payment system. Thank you.
Product: Debt collection

Hunt and Henriques has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in XX/XX/2011 ... When trying to resolve this I called Hunt and Henriques with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XXXX of last year with NO response from them. Then I went to their office location only to be escorted out stating I could not be there and they would call the police for transpassing this is a public property it is an office building how is it even legal to make these statements. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this case # XXXX I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptsy and a proof of this originally XXXX bank account and hunt and henriques furnisher of this judgement included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this
Product: Credit reporting or other personal consumer reports

I've disputed several inaccurate and invalid information on my credit report. This agency has been reporting misleading and false information on my consumer report for YEARS and I have yet to be seen, heard, and respected as the only person who can validate and verify anything on my consumer report. I sent a letter on XX/XX/year> and XX/XX/year> to get these items investigated and removed and I am still being ignored. Instead of investigating and adhering to my consumer rights, I've been sent emails from this agency saying that they believe the disputes were not sent by me. They blatantly ignored the fact that I included appropriate proof of identity with my letters such as a copy of my driver 's license, a copy of my Social Security card, and a copy of my bank statement to ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer. Under the FCRA, specifically 15 U.S. Code 1681i, credit reporting agencies must investigate disputes submitted by consumers and correct or delete any inaccurate information on their credit reports within 30 days. By disregarding my identity verification and neglecting to investigate my disputes within this timeframe, you are in clear violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various 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. 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. 
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 XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply nor authorize XXXX XXXX  to run my credit for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to USC 1681s-2 ( a ) 1 ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer that specific information is inaccurate and ( ii ) the information is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX : {$1300.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Credit report and noticed I have fraudulent accounts on my report. Please remove these accounts they are hurting my ability to obtain credit.
Product: Checking or savings account

I contacted Robinhood on XXXX XXXX XXXX as I had a restriction on my account and was unable to initiate a transfer of my funds out to another account. I contacted customer service that day ( XX/XX/XXXX ) and was told my money was locked in for 60 days or I can request a manual transfer if I submitted required documents. I complied with all requested documentation needed that day. After submission of documents an email was received that the transfer would initiate in 2-3 business days. I waited the 3 business days and then began calling to inquire. Each time having to explain the situation as no one seemed to be able to see I had submitted everything, etc. Multiple email responses received requesting an explanation of what was needed to the original replies from the emails requesting the manual transfer on XX/XX/XXXX, an absolute mess. One exception of a customer service agent via phone support who said she could see it was pending to be done. She said she would have someone email a time frame from that department that day. That email never came. Its now going on two weeks. No email responses back and the phone support option has been removed from Robinhoods app. No consistency as each time a communication is initiated it becomes a different case number. Each email reply goes doesnt necessarily go to the same person. I have continued trying to make the transfer myself 3 times now with the same result. Unacceptable customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my consumer report with XXXX XXXX  I determined inaccurate negative data on my report containing JP MORGAN CHASE JP MORGAN CHASE Account # : XXXX and Account # : XXXX Bank Routing # : XXXX
Product: Credit card

I placed an order from XXXX on XX/XX/2023 for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$5600.00}. It was subsequently delivered on XX/XX/XXXX, and I reached out to the merchant, XXXX, same day via email. 
My issue with the order was I received XXXX empty boxes from the merchant. The merchant replied back via email that the weight of the box was XXXX and other email communication attempts to resolve the issue with the merchant XXXX was nonexistent as the merchant did not answer any further emails regarding the issue of my order only arriving with empty boxes. 
I filed a dispute online with my Amex credit card, and the first resolution was that they sided with the merchant and I contacted live chat to receive documents as to why they sided with the merchant. I never received these documents. I reopened the dispute on XX/XX/2023 and submitted the empty boxes as proof of the empty boxes I received from the merchant. It was again closed in favor of the merchant. I reached out to live chat again to receive the documents provided by the merchant and this time asked them to send via mail for a physical copy since I filed police report for the order as the value is pretty considerable. As of filing of this complaint, I still have yet to receive any proof of what the merchant submitted for the bank to side with them.
Product: Debt collection

This Speedy Cash Loan Was Supposedly to Have Been Granted On XX/XX/2021 For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I received what current information from The Collection Agency following an update from My Credit Report. Someone also recently had a Fake account in my name with The XXXX XXXX XXXX As Well Tht I had to recently get closed. Ive frozen my credit account in XXXX due to Suspicious activity concerning fraud & someone constantly trying to get accounts & loans in my name. I attached a letter from The XXXX XXXX In Proof that Im Having this current issue with ID Theft. Theres Been Several Attempts, Ive Attached Those As Well, Someone Ever Attempted To Change My Mailing Address. Ive Never Owned Or Had A Email Address Other Than My Primary & Only Address Which I Have.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX U.S. CXXXX XXXXi ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX U.S. CXXXX  1681n ( Civil Liability for Willful Noncompliance ) and XXXX U.S. CXXXX XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX U.S. CXXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX U.S. CXXXX  XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX U.S.C. XXXXc ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.