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. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # 41 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or other personal consumer reports

Absolutely, here 's the modified version with the additional details : In accordance with the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. Equifax and XXXX, being consumer reporting agencies, are bound by these standards. As a consumer, I affirm my right to safeguard my private information, as underscored by 15 USC 6801, which underscores financial institutions ' obligation to respect customer privacy. 

As stipulated by 15 USC 1681, section 604a ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit, written consent from the affected consumer. Neither the financial institution nor Equifax and XXXX have procured my consent to share this information, thereby nullifying any implicit or assumed consent. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a prerequisite not met in this instance.

Additionally, 15 USC 1681C ( a ) ( 5 ) unequivocally prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX XXXX XXXX is being reported without my consent, which constitutes a violation of the law. It's imperative to note that the debt associated with this account has already been discharged.

Furthermore, in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, Equifax and XXXX are obliged to uphold accurate information and implement reasonable procedures to prevent violations, responsibilities they are currently neglecting. 

Considering the aforementioned violations and discrepancies, and in accordance with 12 CFR 1016.7, I hereby assert my right to opt out of your reporting services.
Product: Prepaid card

I am a customer of Rushcard. On XXXX/XXXX/15 my employer direct deposited {$400.00}, however, on XXXX/XXXX/15 there was a deposit reversal done by this company not my employer. I simply want my money back. It is mid XXXX and I still cant get through to customer service and I have no idea how to get information on my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is and has been falsely reporting late payments for a period in XXXX when I had a loan with them. I have already filed a complaint once on this and in the response, the late payments that are being reported and challenged were never addressed. They only addressed late payments from XXXX and XXXX which are valid. ALL XXXX LATE PAYMENTS ARE FALSE. I have billing statements proving I made the payments in addition to seeing them in XXXX XXXXXXXX XXXX customer account portal. XXXX XXXX claims they are reporting correctly yet XXXX, TransUnion, and XXXX show otherwise. XXXX XXXX XXXX in California even verified they see XXXX XXXX reporting late payments in XXXX when they just recently pulled my credit. Prior to XXXX I had made all on time payments since mid XXXX and continued to do so until XX/XX/XXXX and XX/XX/XXXX. In XXXX and XXXX, during the onset of Covid, they were offering deferrals for car loan payments. I took advantage of that offer which cleared any need of payments for XXXX and XXXX. I then paid every payments on time ( often early ) from then on out. Any time I have ever called, I get passed around for hours until I magically get disconnected. I don't understand why this is such a fight. All I want is my credit report to show accurately for the year XXXX. I am unable to upload the photos of the account payment history as they are too large. Attached are statements showing I made on-time payments and nothing being past due after XXXX cause of the deferments. Also attached are pictures showing the wrong info being reported for XXXX in XXXX and XXXX. I am unable to show TransUnion without paying for it. There is undeniable proof that I made those payments and I should be showing current for all of XXXX. I am adding XXXX, XXXX, and TranUnion to this as well. Not to directly complain about them but hopefully make them more aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX XXXX to freeze my credit I didn't authorize any one to report anything! I have been in Chex system since 2004 I have not been able to get a bank account in my name at all! It's all inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting FRAUD AND defamation Of my character! 

XXXX XXXX XXXX is reporting Fraud I never had a cox account!

must correct or delete inaccurate, incomplete, or unverifiable information. If a CRA fails to maintain accurate information, consumers can file a class action lawsuit.

CRAs must follow proper procedures when investigating a complaint about an error on your credit report.

CRAs can violate their obligations to report accurate credit information if they mix your file with someone else 's file.

A credit report may show a creditor or lender that doesn't exist or with whom you have had no financial dealings.

Rejected disputes despite providing clear evidence
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my XXXX XXXX I received an email from the XXXX XXXX stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my XXXX. I wasted money on mailing my XXXX XXXX. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Credit reporting or other personal consumer reports

I am saddened with the result that I got when I saw my credit report. I send many dispute and still you cant remove the inaccurate information. The furnisher failed to send me a proof to support their claim on status of these accounts and yet you guys are able to verify your account? How can you verify these accounts? How can you verify these when the furnisher cant? 

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

Upon reviewing my updates, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I received a notice of a law suit in the mail from XXXX, XXXX XXXX XXXX of a debit I owe to Dollar Bank. I have tried to contact XXXX, XXXX XXXX XXXX via phone on numerous occasions to pay the debit and Im transferred to a voice mail. No one from the company returns my phone calls. I have tried to pay the debt online via the website they provide and I receive an error message the dollar amount is too large. I have sent them emails requesting a phone call back so I can pay the debt and no one responds. They are avoiding me to rack up more bills when we go to court. My next call will be to the magistrate.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any other adverse item of information, other than records of convictions of crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I set up a verbal payment arrangement to pay off my amount owed. I started making payments but due to my financial situation i missed one payment. I still had full intentions on pickubg back up my payments the following pay period i explained this to my account rep and told him you do not need to continue to call me every day about my debt i will make the payment asap. He still continued to call me then told me he is jusy going to put refusal to pay on my account and i need to honor my word. I called and askwd to speak to his supervisor left him a message and havent heard anything.
Product: Credit reporting or other personal consumer reports

What happened : On multiple occasions, I disputed inaccurate and erroneous information on my credit report with Experian, but they failed to properly investigate and address my disputes. Despite providing supporting documentation, Experian conducted what appeared to be " sham investigations '' and either verified the false information without proper validation or failed to respond altogether.

Additionally, I experienced instances where previously disputed and removed inaccurate items were reinserted into my credit file without any notification, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Each time I submitted disputes, Experian either ignored my supporting documents, provided automated responses without meaningful investigation, or reinserted false information without notice.

As a result of Experian 's failures, my

credit score was negatively impacted, causing me to be denied credit and face higher interest rates. These errors also jeopardized my ability to secure housing and employment opportunities. I am filing this complaint in light of the CFPB 's lawsuit against Experian, which directly reflects my experience. I request that the CFPB intervene to ensure that all inaccurate and unverifiable items on my credit report are permanently deleted and that Experian complies with its obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ally Bank froze my checking account without notice or cause on XX/XX/24. All account access has been restricted with no explanation. Even after multiple attempts and inquiries including several successful account verifications, there has been no response. I had a closing to purchase a house on XX/XX/24 which is now delayed and in Jeopardy. Please help with a quick resolution, thank you!
Product: Credit card or prepaid card

ive been with american express serve and i cant access my information online banking cant use my card to make transactions or withdraw money since XX/XX/2020 cant get a hold with the bank they said online i can access my account online or on app but it wont let me in. saying my email and password in invalid so i did a recover my password and it wont let me rest my password to get in. can get a hold with the team saying they might not be able to take my calls
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that XXXX  is reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Also known as XXXX XXXX XXXX, XXXX   XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address 3 : XXXX XXXX XXXX XXXX, LA XXXX Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

my account was out 30 days late when i pay every two weeks. 
so there is no way i should be 30 days late for XX/XX/2024 and XX/XX/2024. 
i deferred a few payment in the pass during covic and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every two weeks. 
not gave me no info that i had to make a modification payment plan on ending balance. 
i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for 2 months XX/XX/2024 and XX/XX/2024 which is not true. i untanned a modification payment plan now for remaining balance so iam asking you to please remove the two 30 lates off my report it is stopping me from purchasing a home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/1973 Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is an inquiry that I do not recognize. You have no idea how much I feel violated simply from the fact that I never authorized this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate personal information names, addresses etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I recevied an email that my student loan was forgiven. ( See letter enclosed ) On XXXX XXXX XXXX XXXXXXXX Reported on my Transunion consumer profile that this loan is open with a balance. 

I did not agree to this nor sign any documents that any prior closed student loan could be transferred and reopened. 

15 USC 1681B ( 2 ) for misuse of my report and decreasing my score. This company has violated my consumer rights. This account needs to be closed immediately.
Product: Credit reporting

i recently had a fraud alert in place. i ordered a credit report and noticed there were many things included in that report that were not authorized by myself. I later disputed the items they were all removed ( XX/XX/2016 ) and then days later they were added back ( XX/XX/2016 ) i tried speaking with the company ( Equifax ) as well as faxing them supporting documents they refuse to admit they were at fault and told me to start the dispute process over ... ... it is not fair to me that once successfully completing the dispute process and getting the results craved that the company adds them back and without any reason and or written notice ... ...
Product: Debt collection

XXXX rewards card transferred to Capital One. Have not received new card or account number not able to pay account balance under old login and not able to pay on new account without knowing account/card number. Have been called repeatedly, XXXX times per day, and outside of normal business hours.
Product: Money transfer, virtual currency, or money service

Transacation ID : XXXX Date of Transaction : XX/XX/year> I made a recent transaction to a paypal user through XXXX & XXXX and now I'm not sure if I'll receive my money back. I sent them {$20.00} as a test to see if they'd send me concert tickets after I sent my payment and they never did, turns out they're a scammer. I already tried contacting them & they won't return my money. I want to receive a refund and paypal is taking forever to help with my case. If they don't help me with a refund, I'll just call my bank instead. The name of the paypal user I sent money to was XXXX XXXX. He is a scammer and pretends to be a fan account, selling fake concert tickets on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a certified letter to Equifax asking them to verify my accounts according to fra rules section 609 ( a ) ( 1 ) ( a ) & 611 ( a ) ( 1 ) ( a ) and section 611 ( 5 ) ( a ) .On XX/XX/XXXX I sent a 2nd certified letter stating that this is my 2nd letter asking for documentation that my accounts have been verified still no letter of reply and the accounts remain on my credit report. Since I have sent these letters I am no longer able to get online on there accounts dispute webpage tells me my information dosent match what they have on file. I called them and asked them about my letters of verifacition they did yes they had received them. I asked where my proof of account verifacition was from them and they told me accounts were verified, but do n't provide me with proof that they have been according to the frca those account must be removed from my credit report because they can not provide proof of verifacition. I am trying to by a house and Equifax has cost me 60 days of not being able to by a house. I also must mention that I wrote the same certified letters to XXXX and XXXX and both CRA replied back with letters within the 30 day period and both of the CRA removed accounts that could not be verified so by law they did exactly what they were suppost to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries that i have no knowledge of reporting to the credit agencies. i reached out to the companies and none of them would help me with removing the hard inquires off my report even after explaining this is a case of fraud. i did not sign, authorize or have any recognition of doing any legitimate business with any of these companies. 

INQUIRES ON XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 AQUA FINANCE Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 INQUIRES ON XXXX : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRIES ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022
Product: Debt collection

I agreed to pay PASI Collection agency a set amount for 12 months. 
I gave the agency my banking information. the amount was to be debited from my checking account beginning XXXX XXXX, 2016. 
PASI did not deduct the funds as agreed. when I contacted the agency a representative stated that my account had been forwarded to their legal department. On XXXX XXXX, 2016 I attempted to contact the law office. after making contact with a representative I was put on hold, I waited approximately ten minutes and I ended the call. on XXXX XXXX, 2016 I made contact with a PASI agent to attempt find out why they did n't debit the agreed upon funds, the agent stated the agreed amount was not sufficient to satisfy the debt, at which time she forwarded my call to another department which turned out to be avoicemail recording.
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 U.S. Code 1666b. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX Account number:XXXX Account Name XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX XXXX 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 Account number : XXXX Account Name XXXX XXXX Account number : XXXX 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

THE IC SYSTEMS IS TRYING TO COLLECT A DEBT I DO NOT OWE. XXXX. 
THEY MAY AS WELL STOP WASTING THEIR TIME CALLING HERE BECAUSE I WILL NEVER ANSWER THE PHONE IF I DO NOT RECOGNIZE THE NUMBER OR IF IT'S NOT A PERSONAL ACQUAINTANCE OF MINE. SORRY SCAMMERS!!!!!!!!!!!