23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 applied for XXXX renters credit card with Wells Fargo Bank. They told me that they couldnt verified my identity. They told me to fax them my drivers license, passport, power bill, renters insurance, lease signed, and a utility bill which I sent XXXX XXXX  to them. They sent me back a reply they couldnt verify my identity and had promised me a renters credit line of {$50000.00} by XXXX for renters through Wells Fargo MasterCard. They scammed me and got all my information. When they receive the fax I paid XXXX XXXX to fax them they sent me a copy of the same exact letter as before. I did speak with them by phone as I called them to see if they received the fax. The guy told me it was in the process as received and approved
Product: Debt collection

Earlier this year I discovered that my electric energy supplier had been switched without my knowledge or consent. I immediately contacted my desired supplier and my supplier was switched back at the conclusion of the next billing cycle. 

Shortly thereafter, I received a bill from XXXX XXXX ( " XXXX '' ) for {$99.00} representing an early termination fee. I contacted them, told them I never approved a change and asked them to cancel the invoice. They refused and referred the invoice to Transworld Systems , Inc. ( " TWI '' ) for collection. I advised TWI of all above facts. On XX/XX/17, TWI supplied me with what they referred to as material they received from XXXX. Such material consisted solely of a copy of XXXX 's invoice. This hardly supports their contention that a contractual agreement existed. 

By letter dated XX/XX/17, TWI also asserts their right to charge accrued interest and " other charges as provided in your agreement with the original creditor or otherwise provided by state law '' This appalls and frustrates me since there is not nor ever was a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My primary complaint involves Equifax Information Services, LLC ( The Consumer Credit Bureau ). As a resident of XXXX, GA, the home of Equifax, I have extensive experience with the company. They have always been extremely difficult to reach by phone, very slow to process fraud and identity theft disputes, the last of the 3 major credit bureaus to update information in my credit file, and, as a verified victim of the massive and criminal data breech, I have been treated extremely unprofessionally and dispassionately every time I seek their assistance. My strongest desire is that this negligent, unprofessional, vulnerable company should not and can not be trusted with my sensitive financial information or anyone else due to the damage they have directly effected my credit profile and fair ability to thrive in life and business. Recently, I was a victim of fraud involving the purchase of over {$7500.00} of counterfeit sports collectibles affecting my 3 credit cards with XXXX XXXX XXXX XXXX. I filed a fraud claim for every item purchased involving each of the 3 credit cards. I was first issued new cards and my old were destroyed. After submitting substantial evidence, I received a preliminary credit from XXXX. Equifax still reports these accounts as valid even though they have been determined to be fraud. More details are included in attached documents supporting this statement. The bottom line is, I need assistance to correct the inaccurate and damaging information from each XXXX credit card deemed fraudulent, as the other credit bureaus have already done, and to guide me in pursuit of legal Federal actions for the harm Equifax has done to my financial position and emotional/physical health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this company to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiry : XXXX XXXX XXXX. XX/XX/2018. I never authorized this company to obtain a copy of my credit report.
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 use 1681.

consumer collection mana diversified adj svc 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The information reported under the aforementioned account ( s ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA requires that all information reported by consumer reporting agencies must be accurate, complete, and verifiable.
Product: Debt collection

This collection copy reported a account that is not my responsible to a the credit bureau. I was a lease  occupant  and not a lease holder should I should not be responsible for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) These accounts, opened in XX/XX/XXXXand XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thruXX/XX/XXXXtimeframe.

2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident.

3 ) Further, based upon the published requirements for membership to this credit union, XXXX XXXX  would have been ineligible for legal membership or services due to : 1 ) The fact he was living abroad when these accounts were opened and utilized. ( Figure A ) 2 ) In conjunction with Item 1, XXXX XXXX status as an Iowa resident ( verified thru any and all identification documents which he has possessed that are valid and legal, would have made him legally ineligible for membership.

4 ) XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa inXX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX XXXX XXXX  to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410Records to be made and retained by banks and Opening Account Procedures.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 It is because of these facts, and the documentation, provided which proves that these two accounts were in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the XXXX of XXXX on my credit report. This is not mine. It might be my dad 's who has the same name but different middle initial. It lists me as an authorized user, which I am not and never have been. I called them to ask them to take it off my credit report. They pulled me up in their system by my social and said that I did not have any cards with them, they said that they could not help me I had to go through the dispute process and mail in to see if they could find it and take it off. They are unwilling to take it off my credit report even though they tell me that I do not have a card with them.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year now. Each one of these accounts do not belong to me. Someone took my information and opened up these accounts without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the accounts listed are not my accounts. I have been disputing these accounts for over a year and never got verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a letter about XXXX XXXXXXXX which i never consented to and duvera and XXXX XXXX and my XXXX XXXX is in the state of XXXX Georgia thats it im a XXXX year old girl with no job right now and i asked if the company can monitor my social security number because my old boss has my social security in their text if XXXX XXXX is XXXX it got rejected
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 Account Number : XXXX Account Name : XXXX 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: Mortgage

My FHA mortgage is with Wells Fargo. They have a home preservation program where you can have payment forbearance. I had XXXX months of payment forbearance, but when it came time to start payments and repaying the months of forbearance I was not able to pay the XXXX months back. So I'm trying to work with Wells Fargo and I can tell you they are the worst people I have ever had to deal with in my life. They give me no feedback, they don't take my calls, I have to speak to somebody new everytime. The story is different everytime I speak with yet another new person. They flat out lie about everything. I'm quite sure they are trying to just drag this out to XXXX XXXX when I am put into foreclosure. I have until XX/XX/XXXX to get this settled. Well its gotten where I get nothing but a runaround when I manage to speak to somebody, or my phone seems to be on some sort of an electronic XXXX list when my calls are not answered at all. I feel powerless and hopeless at this point. If there is a class action lawsuit that I can get in on I'd be more than happy. I'm so stressed out, I have health issues. This company is evil just pure evil.
Product: Credit reporting

please find attached my dispute letters which i have also submitted to bureaus several times, these accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for STATE EMPLOYEES CRED, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit card or prepaid card

Synchrony Financial XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Late Fees on {$20.00} balance resulted in {$67.00} in Late Fees and on top of the {$67.00} Interest on the Late Fees. 

Credit Card and Store Credit Card Fees Late Fees and their Interest on the Late Fees are much higher than Mortgage and Car Loans by factor 3x?
Product: Checking or savings account

I am trying to access my capital one 360 checking account using a 3rd party app called XXXX and capital one is prohibiting me from accessing my own information using this. This is against the rules as they can not prevent me from accessing my own banking information.
Product: Credit reporting or other personal consumer reports

Same as my other complaint. I did not apply for a mortgage loan through anyone except XXXX through a local lender. XXXX will not do a hard pull. While I was applying I clicked next and a screen for a different mortgage company ( XXXX ) popped up and I continued not knowing a fraudulent site interrupted my application with XXXX. It is a glitch/malware on my computer that now needs to be fixed. 
Apparently all of my information was sold to a variety of lenders. Xactus XXXX just did a hard pull in my credit that I did not authorize. I can not get through to the company to tell them. I need my credit blocked from all HARD PULLS on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXXXXXX ACCT # XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Self Lender This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts Self Lender Account # XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, Self Lender is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX dated XXXX XXXX $ XXXXspoke to company to validate debt and no reponse. 
XXXX XXXX XXXXXXXX amount $ XXXXspoke to company to validate debt
Product: Credit card

I have previously submitted a certified letter on XX/XX/XXXX and XX/XX/2016 which was received and signed for requesting that a dispute be initiated for a Chase account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in Chase account XXXX
Product: Student loan

I refinanced my loans back in XXXX for a lower rate. At the time of origination I completed the paperwork for auto payment of my loans. Doing so would lower my rate by .25 %. The lender contacted me in XXXX saying my account was 2 month deliquient and I would be responsible for late fees and other penalties for non payment. At that time I submitted a payment for the full amount due and signed up again for auto payment. Just today I received a notice saying I was 2 months late and they were going to assess late fees and penalties. I contacted the company and they said they never received the auto payment paperwork. I have sent them the back up document but I am concerned about the late fees they are assessing on my account and the .25 % I am due for having signed up for auto payment in the first place. Please note on the website it shows I am enrolled in auto payment. 

Additionally when I originated the loan I received a letter from a services stating that my loan amount was twice the amount borrowed. This has since been resolved but was a serious concern at the time. 

Finally, looking at my online statements I never received any communication in XXXX in the form of a statement. I would expect this to be common practice.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$810.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$960.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$730.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$200.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am a cosigner on a car that is up for repossesion. The financial institution ( FNS financial ) is calling me three times a day, threatening to file a criminal warrant against me for non payment. They are calling my job, I have advised them I do not have the money. They are continuously harassing me. This is a civil problem, not a criminal problem, and calling me three times a day is n't going to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CCS Collections added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all shown. A bill without a signature does not validate the debt and anybody can send and say its mines. According to the FCRA, CCS Collections has violated rights as a consumer and I'm requesting legal action to remove this account immediately.