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. 

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Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting XXXX, XXXX and Equifax I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF INTENT TO SUE EXPERIAN and XXXX XXXX Chief Executive Officer.This letter serves as a formal notice of my intent to file a lawsuit against EXPERIAN.

YOU Experian have aided this Fraud by not verifying these accounts. XXXX and XXXX Deleted the fraudulent account. Congress states 15 USC {$1600.00} Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. RE : XXXX account # XXXX and XXXX. 
Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card FTC identity theft Report Local Police report CC : XXXX XXXX XXXX in the XXXX XXXX XXXX neighborhood, CA, XXXX XXXX, XXXX.
Product: Checking or savings account

TD bank deposited my retirement pension in someone elses account and has failed to return money to depositor and therefore bakery and confectionary union can not issue another deposit. I have spoken to them 10 times to get this straightened account but no action taken on their end.
Product: Credit card or prepaid card

Wanted to charge {$550.00} on my American Express card for a rental car at XXXX Washington DC airport and because of hacking into all of my accounts everyday for the last three years I keep my balance high so there is not much available credit to charge any large amounts. Same has I reported into you and fbi two weeks ago, Amex representative told me I needed to make an astronomical payment, this week it was {$4200.00} in order to free up the {$550.00}. (? ) Week before last it was over {$2000.00} to charge ~ {$600.00}. Excuse is a review of my no pre set spending limit, which does not make sense if I am paying the amount I intend to charge in advance of the purchase which would bring the transaction to a zero balance and any increase in minimum payment for the pay over time portion of the balance should be handled in my monthly statement, not when I am standing at the car rental counter making a payment to zero out the transaction. Unless they are also stalling so the car I am renting can be tampered with while they tie up the phone call, which has also been reported to multiple law enforcement agencies. In either or both events, this has occurred multiple times in the past and represents a pattern of behavior on the part of Amex employees. Have not received any documentation from American Express.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXXXXXX - REPORTED XX/XX/XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX 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

I have 4 incorrect things on my credit report. I have 1 collection from XXXX XXXX and XXXX charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed EOS for 1073 on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from chase. They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from XXXX XXXX.
Product: Credit card or prepaid card

I have been receiving calls saying I have an unpaid balance with hsbc. I never had a hsbc cars. They keep calling and harassing people I know like I am a felon. First it was for a card ending in XXXX today it was XXXX. I never had no cards from them and the reference people they gave me I would not use them as a reference. I am being harassed and threatened with legal action daily. Sending paperwork asking me for a settlement of less than the amount. Contacted the better business bureau they referred me to you. Lady told me over the phone I had been served. Served what. I think my identity may have been stolen as my daughter moved out of a house and may have left paperwork with important numbers on it. Due to the fact the landlords daughter is one of the people they say I used as a reference and I never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the original creditor for verification of debt showing proof of debt address and other information concerning this debt I have never been to this facility for treatment Ive gotten no information concerning this debt it is identity theft Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My privacy rights have been violated I do not own this debt nor did I agree to the illegal solicitation of my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Thank you for your efforts in removing some of the incorrect items from my credit file. However, theres still an erroneous entry that needs to be addressed. This complaint is a renewed request to dispute the unauthorized inquiry on my credit report due to mistaken credit reporting. Attached is an Identity Theft Report, number XXXX. According to FCRA Section 605B ( a ), you are required to remove any information related to identity theft within four business days upon receipt, provided you have ( 1 ) appropriate proof of my identity and ( 2 ) a copy of the identity theft report. This is the remaining inquiry that needs to be removed, I also include here the inaccurate address that was unknown to me : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX. You are obligated to remove this erroneous entry from my credit file within four business days. I do not consent to the use of E-OSCAR or any automated verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. 
all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. 

Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, XXXX and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.
Product: Credit reporting

Today XXXX XXXX I received my updated credit report from TransUnion stating that new information was updated on my credit report with XXXX XXXX XXXX acct # XXXX. I see no changes to this account nor my report. I disputed this account over and over again TransUnion seems to be the only XXXX reporting this account XXXX has removed this account due to the inaccuratcy that this company has displayed over the 5 years and XXXX investigation is due to be concluded by Satuurday XXXX XXXX company has n't responded to their dispute as of yet. Please help me to get this issue resolved. Please find that I have included my TransUnion Report, XXXX removal of this account.
Product: Credit reporting

Recently noticed inquiries removed and then reinserted to my credit report NO NOTICE WAS GIVEN and this is a violation of my fair credit reporting rights ... the inquiries are XXXX, XXXX and XXXX
Product: Credit card or prepaid card

I contacted Chase regarding 2 credit cards that I had past due. in order to fix the issue and bring them current, XXXX XXXX. I spoke with a representative who told me that if I completed 3 consecutive payments and set them up via auto pay that my account would be current and in good standing. I set up the payments that he told me in the manner and amount. 1st card - {$140.00} for the month of XXXX, XXXX, and XXXX. XXXX card - {$74.00} for the month of XXXX, XXXX, and XXXX. All payments have cleared and posted to my credit cards. When attempting to pay my XXXX payments for both cards online, they both show delinquent. I then call Chase to try and resolve the issue. Not only am I transferred multiple times but then I am told that one of the cards is now closed and there is nothing that can be done. I am also told that previous agent did not set up the XXXX. This is why it reset was not processed. Even though the previous agent didn't complete the process and handle it correctly there is still nothing that can be done. I proceed to set up the arrangements again. The new reset program is card # 1 XXXX, XXXX, XXXX each for {$160.00}, Card # 2 is XXXX, XXXX, and XXXX each for {$93.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal credit report.
Product: Debt collection

Around XXXX of XXXX I noticed fraud on my credit report. There were multiple credit inquires to rent apartments in Georgia. I called these apartments and companies who did the credit inquiry and provided my drivers license and statement that someone stole my identity. I also filed a police report with the XXXX Police Department. I put together a report and filed it with the credit bureaus. I also locked my credit file. Most companies cleared the false reporting on my credit report. Rent Recovery Solutions LLC showed up on my credit report in XXXX of XXXX after I cleared up most of the fraud reporting on my credit report. I immediately called the apartment XXXX XXXX who was the client of Rent Recovery Solutions and responsible for fraudulently renting an apartment under my social. The manager stated my apartment was rented under the old owners and since he was part of a new management company he couldn't help me. I then called Rent Recovery Solutions LLC and attempted to explain to them what happened. They were unhelpful and rude. They would not help me or take my report. They are making it difficult to dispute and requiring unnecessary steps to dispute. I had to call over 3 times and asked for a manager. They state there is no manager and the owner is the only manager. They also state the owner is unavailable to talk to me. It seems they are making it difficult to help their numbers and chances or recovering fraudulent debt.
Product: Debt collection

I saw this on my credit report and reached out to the school, they said it was out of their hands I needed to contact creditor listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written letters to all 3 credit bureaus. There are multiple accounts showing on my credit report that do not belong to me
Product: Credit card

Requested balance transfer of {$5000.00} from my Citi card to my XXXX - XXXX by XXXX XXXX. Acct number entered incorrectly and Citi sent check which was cashed. XXXX shows no receipt of check ( since the account number was wrong ). I filed a dispute with Citi who sent copy of the check and now need XXXX to make it right. Currently out {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information with none and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file. XXXX XXXX XX/XX/2019 and XXXX XXXX XX/XX/2019