23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have a Power Purchase Agreement with Tesla that gives me the option to purchase the used solar system on my home at Fair Market Value as determined by an independent third party. Every time Ive inquired about purchasing the system it is Tesla, not an independent third party, that gives me a positive purchase price at what appears to be an inflated value. Ive requested that a 3rd party whose identity is known and agreed upon by both parties be hired to do an appraisal and provide a Fair Market Value at my own cost as stipulated by the contract but Tesla has repeatedly ignored this request, insisting their value theyve presented to me is from a third party whom they refuse to identify.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported the account as opened in XXXX on XXXX when the account was opened in XXXX. The account is 8 years old and should be removed from my report, and I tried to resolve the matter with them. I offered to pay in full to remove the inaccurate information and negative reporting they refused. The company is called southwest credit systems.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed DEPT OF EDUCATIONXXXXXXXX  XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please delete these accounts immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX - XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions ( 2 ) In accordance with the written instructions of the consumer whom it relates Did I give you written instructions to furnish this in my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusion from a credit report state : ( 2 ) Exclusions. - except as provided in paragraph ( 3 ). The term consumer report " does not include - ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as a transaction, or experience. 

Between the consumer and the person making the report. 



Delete these above account from my consumer report, this agency is in violation of 15 USC 1681 According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than XXXX. 

I want XXXX per violation, or the negative item immediately removed from my credit report. 

You did not get my written consent to create a credit report. 

Please send me a copy of my updated consumer report reflecting these changes. 



Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 i requested a credit report from trans union. I disputed 5 late payments. The result was that accounts were closed. I was not allowed to create a statement re late issues. 

Today I was looking at my credit report from trans union at  XXXX. There were eleven late payments and a car loan which was paid off two years ago. 

I called trans union and the person, XXXX, could not give my any information about the additional late payments after twenty minutes on the phone. 

I would like clarification of the eleven late payments
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I resubmitted my police report along with a copy of my drivers license, social security card, and a request to block the fraudulent items detailed in my police report from my credit profile pursuant to the Fair Credit Reporting Act Section 605B. To date, Experian has not blocked fraudulent accounts in accordance with federal law and knowing that I am a victim of identity theft and that these accounts are fraudulent and reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've given info to TransUnion more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. TransUnion has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. XXXX with their data breach and TransUnion for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Checking or savings account

I have reported this to criminal court in CA, NY and NJ. Several criminals at XXXX XXXX have stolen my debit cards and credit cards on Friday XXXX XXXX. The bank is refusing to send me a debit card at Wells Fargo. I do not have much money in my checking account. I have joint and beneficiary accounts, there, however, people are duplicating my phone numbers and blocking me from accessing my debit/ credit cards. I told them that I have a problem walking and they refuse to send me a new debit card. They told me that I had to walk into a branch. I believe that this CEO is XXXX and //or he is allowing a criminal at XXXX, XXXX, XXXX XXXX to access my banking accounts. The most frustrating thing is that it is painful for me to walk and they refuse to mail me a debit card. Lastly, they never respond to my complaints that I have submitted. The housing director, XXXX  XXXX, where I, temporarily, live has stolen a large sum of money and the bank is trying to protect her thievery. She is a XXXX non rich, jealous, woman and she is trying to steal everything from me and my father. She is also making my XXXX and other illness worse through hacking my wifi. I only needed one card to be mailed and they act like I am not entitled to a new card. This is the first time that I had a problem at Wells Fargo Bank. If XXXX XXXX, the thief, wants to get free money from the bank, then, the CEO should supply her with his money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was approached by a male while using the ATM at Chase Bank in XXXX. 

He scammed me into depositing a check for {$900.00} in my account with a fake check. 
I then took out {$500.00}, believing that money was his. 

I deposited a check into my account for a stranger. Thinking I was helping them make a deposit.
Product: Credit reporting or other personal consumer reports

After several attempts to dispute the accuracy of ACCOUNT- XXXX XXXX XXXXXXXX XXXX Transunion has replied that the account is verified. I requested their method of verification on ACCOUNT- XXXX  XXXX XXXX XXXX and they failed to supply any documents or information supporting the alleged verification.

ACCOUNT- XXXX XXXX XXXX XXXX is reporting inconsistent open dates across all three bureaus ( XXXX, XXXX, and Transunion ) so how was this information properly investigated and verified?
Product: Credit reporting or other personal consumer reports

On XXXX XXXX a XXXX account was opened without my knowledge and is fraudulent XXXX XXXX  XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXXXXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX XXXX XXXX hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXXXXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX  a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXXXXXX XXXX XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX a hard inquiry was made in my name fraudulently and I did not consent this inquiry. 

On XXXX, XXXX XXXX a XXXX XXXX account was opened in my name fraudulently and I did not consent to this account being opened in my name
Product: Debt collection

XX/XX/XXXX I received a collection notice from I.C. Systems, Inc. trying to collect a debt from XXXX. The letter was in my name but sent to an address I have never been to or lived at, then crossed out & forwarded to where I do live. I tried to contact them to resolve this & got no where. I have since received more letters, the latest XX/XX/2016. I called I.C. Systems on XX/XX/XXXX AGAIN, spoke to XXXX. She informed me I needed to call XXXX, which I did. I spoke to XXXX at XXXX, he looked up the account & verified that neither my ID, social security nor my address matched what they had & felt that I.C. Systems is sending this to the incorrect party. He instructed me to call I.C. Systems back & relay this info & tell them they need to stop contacting me since they are not doing their job correctly and if not I should file a complaint against them. Approx. XXXX., I called I.C. Systems back & spoke to XXXX. He was very adamant about not wanting to hear my explanation & said it was out of their hands, that XXXX was handling it. I told him that was false, I just got off the phone with them & would like them to stop sending these & he preceded to hang up on me.
Product: Debt collection

Fraud call claims to be credit card company ( Comenity Bank ) but was not. 

The call was from number XXXX. They left an automated voice mail to call XXXX. 

I called and the person answering the phone says I am one payment past due by one payment of {$160.00} and to make a payment using a visa or mastercard. I noticed that the XXXX number was not the number to call on the back of my credit card so I called my credit card number and payment is not due until XX/XX/XXXX. 

I made no payment and told the caller that her number did not match the customer service number for the bank associated with the card on the back of the card. 

They also tried this same attempt last week.
Product: Credit card or prepaid card

On XX/XX/XXXX I was shopping at Samsclub.com and saw the credit card offer to get the chair I was shopping for {$150.00} instead of {$210.00} because of a {$55.00} credit for opening the account. I took the bait and want to pay the card off immediately but the statement is for the whole amount of {$210.00} instead of the credited discount price. I called XX/XX/XXXX and was told it would be credited to my account. Today, XX/XX/XXXX the credit is still not applied, so I chatted with an agent who told me the credit will not be applied for 90 days! That is NOT what the offer stated. The offer stated that my price would be {$150.00} I have the conversation with the agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. XXXX and XXXX have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted XXXX and XXXX again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both XXXX TransUnion & XXXX at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Reported By Source XXXX  XXXX Reported On XX/XX/XXXX Account Balance {$1700.00}
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

A pre-authorized check was written by my bank from my Interest Checking account to a closed, overdrawn account from the same bank without any prior notification that the account had been closed or that a specific amount would be taken out of my active account as payment or the closed account on XXXX XXXX, 2015.
Product: Debt collection

XXXX 2021 Past-due bills from original creditor received. Never an original bill received. Calls to the number provided resulted in unreasonable long waiting times and I was never able to reach a human operator to discuss the nature of the bill. 
XX/XX/2021 Company Credit Collection Services ( CCS ) contacted me about a debt they are trying to collect. No supporting information was send with this collection notice ( CCSXXXXf ) XX/XX/2021 I responded to this request in written form asking for more information. I'm specifically interested into the original bill of the original creditor. Due to me only having one interaction with this company, it would be easy to determine if the requested amount is valid ( which I think it's not ). 
In this communication it is stated that the debt is disputed. ( XXXX XXXX ) XX/XX/2021 CCS responded but failed to provide the original bill, instead they send a past due notice of the original creditor. ( CCSXXXX ) XX/XX/2021 I responded asking specifically about the original bill and all associated transactions of my account with original creditor. 
XX/XX/2021 CSS reported this disputed debt to the credit bureaus. 
My complain is that CCS should not report a disputed debt and that CCS could not provide even the minimum asked for of information to support their claims.