23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested at least 5 times verification and validation and I have not received proper info. They have sent my account to XXXX different companies and when I request verification, they send it back to original company ( Resurgent ). I believe they are playing with me and have violated my rights under, 15 U.S Code 1692b ( 5 ) 15 U.S code 1692c 15 U.S code 1692c ( a ) 15 U. S Code 1692d 16 U.S Code 1681 section 602 A They keep sending me the same copy of an statement from XXXX XXXX that does not prove anything. I have no contract with this company and therefore no obligation to pay this alleged debt. They can not send me the verification XXXX  validation papers because they do not have it. Please advise. I want this company to close and remove this account from my credit reports as it is hurting me.
Product: Credit card or prepaid card

When I open ( beginning of XXXX, this year ) credit card with this company, they promised to pay me {$200.00} cash back bonus if I spend {$2000.00} within first 3 months. I reached this in the beginning of XXXX, but still don't have advertised money. ( See screen shot ). 
Please help me to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Debt collection

I called XXXX told the rep they have a wrong number and that person hung up on me and still calling
Product: Credit reporting or other personal consumer reports

I was checking my credit history with Equifax, XXXX, and XXXX and I've noticed several inquiries that I did not do. Those inquiries are transactions that I do not authorize. 
These are the following transaction with Equifax. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX FIN Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit report regarding a self lender account. I have a right to privacy due to the fair credit reporting act. This incorrect information with this fraudalent account is greatly affecting my credit report. I need this account removed off of my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, I am writing this to dispute all inaccuracies related to my credit report with Equifax. I have previously attempted to resolve this matter with Equifax directly, however they have failed to take the necessary actions to correct the record. Specifically, I am requesting the removal of outdated and inaccurate information, as outlined below. 
Former Addresses : The following addresses have been reported inaccurately as part of my credit history. These addresses do not belong to me or were previously associated with me, and I request their removal from my credit 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 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 Employment History : Additionally, there are entries on my credit report regarding employment that are inaccurate and should be removed. I have never worked for the employer XXXX XXXX XXXX as shown in the report. The following entries need to be corrected or removed : Employer Name : XXXX XXXX XXXX This is shown on the report twice and they are both incorrect I have attempted to address these issues directly with Equifax but have not received the necessary assistance in resolving these discrepancies. Therefore, I am seeking the help of the CFPB to investigate all of these errors and have them corrected or removed from my credit report as soon as possible. 
I kindly request that you look into this matter and take appropriate steps to ensure the accuracy of my credit history. 
Thank you for your attention to this issue. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX, XXXX XXXX, sold an apparent debt to Debt Recovery Solutions. This company neglected to send the bill to the correct address over 7 billing cycles and received returned mail. I was never notified of the purchases on the account nor did they send a bill to the correct address if the purchases were made. 

XXXX XX/XX/2019 was the time the bills were consistently sent to the wrong address. 

I contacted XXXX XXXX to inform them that I never shop at XXXX XXXX and if I did I would have not spent the amount on {$480.00} I asked why they couldnt inform me of the account, purchases and dates of purchase and they couldnt not provide me with this information being they sold it to a debt collector. 

I would like to dispute the charges as it may be fraud.
Product: Checking or savings account

Commencing on or about XXXX, 2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXX  / XXXX  / XXXX  XXXX  / XXXX / XXXX  ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card, and through an intermediaries named XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Wells Fargo services.
Product: Debt collection

I went to court with my apartments and got any and all damages waived as well as any monetary damages yet they sent me to collections for XXXX dollars and I had sent them the transcripts from the final court date and the order and they keep rewording and interpreting what the judge said to say that I still owe.
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 XXXX Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX/DEPT OF ED Account number XXXX, has violated my rights. 
Account name XXXX XXXX XXXX XXXX  Account number XXXX, has violated my rights. 

Account name WF CRD SVC Account number XXXX, has violated my rights. 

Account name XXXXXXXX XXXX  XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXX Account number XXXX XXXX has violated my rights. 

XXXX Account number 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 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, credit repair services, or other personal consumer reports

As per TFS payment statement there we payments in XX/XX/2018 and XX/XX/2018. However TFS reported 30 day late to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The Account was in name relocated to another city did n't not know the account was still open, I close the account and put in for a change of address, but never received any billing or no one tried to contact me before sending my name to a collection agency. The collection did not try to contact me ever before, sending my name to the credit Bureau. Once I found out I paid it in full because I was in the middle of getting a mortgage. Explain to the company my issue and they did not care. I was meant with the rude Customer Services and Managers. I call XXXX and they told me to have the company to send them an electrical removal to remove it off of my credit report and they did not care. I even call the company that gave them my name and they said it was ok for them to remove my name because they no longer had a contract with the company, but not thing helped. The company even when as far to send me account to show a XXXX balance so that they can remove the account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Transunion is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Transunion the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " Transunion Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX, XXXX, and XXXX various times, so we 'll see what the Creditor has to say. Original Creditor XXXX XXXX XXXX XXXX XXXX ca. It 's not my account, I would like to see proof that it is, according to the Fair Credit Reporting Act I 'm entitled to proof that it 's mine. I want to see the contract with my signature on it. At the time when this supposedly happened I was in nurses care recovering from a major XXXX. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied through XXXX XXXX of XX/XX/XXXXfor a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX  and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX  sent 7 emails to me, dated from XX/XX/XXXX to XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX   and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX. The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.
Product: Credit reporting or other personal consumer reports

There were unauthorized accounts opened without my consent on my credit report XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Equifax credit report on XX/XX/XXXX and noticed that I had a repossession showing for XXXX XXXX XXXX account. This repossession date was shown asXX/XX/XXXX.I had 120 day late payments showing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report XX/XX/XXXX and noticed the repossession was gone. XX/XX/XXXX was now showing as 30 day late payment. XX/XX/XXXX was now a 30 day late payment, XX/XX/XXXX was now a 60 day late payment and XX/XX/XXXX was showing as a 120 late day payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I pulled my credit report again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I was sent a copy of my report as well on XX/XX/XXXX and noticed my payment history had changed again. It now showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. On XX/XX/XXXX, my report showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. I pulled my most recent report on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. 

Someone keeps changing my payment history from Equifax without my permission. I have been keeping a very detailed record and the payment history is definitely not accurate nor does it match any other credit bureau, 3rd party reporting agency or the creditor records themselves.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXXXXXX XXXX are FURNISHING LATE TRANSACTIONS on my consumer report and I DEMAND that you exclude the following transactions from my consumer report immediately on the basis of 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-CONSUMER REPORT DOES NOT INCLUDE ( A ) ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the consumer and the person making the report. I will be collections {$1000.00} per violation on my consumer report per 15 USC 1681n-Civil Liability for Willful Noncompliance if these transactions are not immediately removed! 


I have uploaded my DL for proof of identity ( address will be changed asap ) AND A COPY OF MY LEASE for proof of address so you can STOP stalling by asking for information that I had already sent on multiple disputes via certified mail, which I have proof of!
Product: Credit reporting or other personal consumer reports

Regular payments have been made but account status does not reflect current.
Product: Credit card or prepaid card

I received a Home Depot credit card in the mail. I never applied for this card or approved any type of credit pull. On XX/XX/2021 an online purchase of over XXXX dollars was made. I have since been getting calls for a past due bill. I called Citi Bank N.A. who issued the card and reported the fraud.
Product: Mortgage

I refinanced my mortgage with XXXX XXXX XXXX. XXXX 2016.. I was provided an estimate of monthly pay of {$1200.00} at the final closing I was provided that my new monthly payment would be {$1000.00}, for a year I have paid {$1000.00} and paid it on time. XXXX XXXX I received an escrow analysis stating that I had a shortage of {$3200.00}. Also stating that if I do not pay it by XXXX XXXX my monthly payment would go up to {$1500.00}. The actual payment should have been provided to me at closing of {$1300.00} It was discovered that the mortgage company quoted me incorrect figures and neglected to include my taxes of which I was not aware. I agreed to refinance based on fraudulent in accurate information. If the correct figures had been presented it would have shown that I would have only be saving {$28.00} a month versus what appeared t be around {$300.00} a month savings. it would not have been in my best interest to do so at that time. I have contacted the mortgage co by phone, and also had my attorney contact them by letter. The company has not responded as of this date and the action they have taken is to put my XXXX XXXX payment into unapplied funds account. The company is insisting that I pay for the error that they made ( The shortage ), and threatening to apply late fees to my account and report it as delinquent to to credit bureaus where permitted under law.
Product: Money transfer, virtual currency, or money service

I'm a victim of an unauthorized wire transfer for {$18000.00}. My money was taken from my bank account without my authorization from Capital One to XXXX XXXX XXXX. It was a fraudulent transaction. 
My account statement shows that an automatic wire transfer was made from my bank account ( Capital One ) to XXXX XXXX XXXX Bank However, this transaction was unauthorized. 
My bank should have fraud detection systems in place to monitor and flag suspicious activities in my account, to prevent unauthorized transactions.
Product: Credit reporting

The reason for my complaint is a certain account has been " re aged '' on my credit profile with Equifax. The uploaded filed below will show detailed information of my findings. In report confirmation # XXXX labeled XXXX it shows the date of first delinquency as XXXX. On XXXX/XXXX/XXXX the file was deleted from my credit report Equifax confirmation # XXXX labeled XXXX. On the file labeled XXXX, the dispute response it was reported as XXXX as the date of first delinquency. Lastly on my reason for initiating the dispute was that on XXXX/XXXX/XXXX the date of first delinquency is reported as XXXX on file labeled XXXX. After speaking with a supervisor at Equifax I was told to call XXXX where a person named XXXX, who 's identity can only be verified to me as the only XXXX in the recovery department rudely explained my date of first delinquency that he can see is in XXXX of XXXX. I then called Equifax back who after escalating the call multiple times explained that it is okay because it will now fall off in XXXX. She was kind and later explained to file a complaint with the Federal state commission and forwarded me to your agency.
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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

15 USC 1681 Section 602 A 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 written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage