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

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record
Product: Credit reporting or other personal consumer reports

in accordance to the FCRA my right have been violated under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit 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. I NEVER gave, OR the listed creditor any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices Account name XXXX XXXX
Product: Checking or savings account

Boa last year. They opened my checking acct then cancelled in two days because of previous acct opened in my name.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 Trans Union, XXXX, and XXXX have 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 or 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 data is inaccurate.
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 - Inquired on XX/XX/2021 XXXX - Inquired on XX/XX/2XXXX XXXX XXXXXXXX - Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - inquired on XX/XX/2021 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 instruction.
Product: Debt collection

in XXXX i changed cell phone carriers. i was told i had to pay {$750.00} for a device and turn another device in and this would cancel my service with the then carrier. i complied with this request. on 4 separate occasions i went to the mobile carrier to turn the final piece of equipment. i was told after the 4th try that the store would not accept the device and that a box would be sent to my home. once i received the box, i could return it to the carrier. this never happened. when i spoke with the company yesterday i was told that i owed them over {$2000.00}. i asked what the {$2000.00} was for and a very rude man told me that i had no options and that i either needed to pay the money or risk my credit being affected. i followed al the proper procedures for cancelling the service. i could not return the phone because they would not accept it. i am asking for clarification on what the charges are for and how we can come up with an amicable settlement/solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four ( 4 ) inquiries appearing on my Equifax Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with Equifax and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to note that these items were in dispute within 30 days now this account is in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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.C. 1681. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 A states that I have the right to privacy. 
15 U.S.C. 1681 604 ( a ) ( XXXX ) It also stats that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681 C ( a ) ( XXXX ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681 2 ( A ) ( XXXX ) 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

I contacted XXXX about this collection agency American adjustment beaura in XXXX to start a dispute about the information on my credit file XXXX corrected it and the American adjustment beaura put it back twice. XXXX told me to contact you with the complaint and they will remove it .they have been harassment me for years. They are a very bad collection agency they need to be stop They need to pay for the damages for every violation.
Product: Credit reporting or other personal consumer reports

This account was paid XXXX, XX/XX/XXXX. According to the collection agency, they will erase the information off my credit report. I submitted all documentation to Equifax XX/XX/XXXX showing that the account was paid. On XX/XX/XXXX per customer service at XXXX XXXX, they submitted notice to all three credit reporting agencies. All other agencies have removed the information from my file except for Equifax. Equifax recently updated my credit report on XX/XX/XXXX but this is still showing as an outstanding balance and it is still showing on my credit report. Its derogatory information ; its impacting my credit worthiness ; its impacting how much I can get for a home loan ; and, its impacting my credit score & credit standing! 

They have also sent credit report information with all my personal data where someone could steal my identity to an XXXX that I stay at when traveling. The owner called me so I told them to return it back to Equifax. 

When calling over the phone, their verification process is the absolute worst! They have you scan your license and it fails. They ask certain questions and you answer them properly but they say its wrong info so they refused to speak to you. 

I have sent massive documentation including whats attached to them several times and they are not properly updating my information which is hurting my credit. I am trying to apply for a home loan and can not apply for a home loan until they get this off my credit report!
Product: Checking or savings account

I bank with XXXX. On XX/XX/2022, I made a XXXX transfer of {$5000.00} to a friend but I sent it to the wrong and unknown person by entering the wrong phone number. My friend did not receive the money. On XX/XX/2022 and XX/XX/2022, I asked XXXX to reverse the transaction due to the error that was made but they refused and simply told me to have the person I sent the money to send back the money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank lowered my credit line based on " Lack of Real Estate Secured Loan Information. '' In addition, to several other reasons that are incorrect and don't make sense to me. I'm XXXX yrs. old, why must I have a " secured real estate loan? '' Please advise if the credit scoring system used to predict my creditworthiness is valid and non-discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint XXXX on XX/XX/XXXX as far as hard inquires on my credit file without my consent. Equifax conducted their investigation and the company response was that all hard inquires listed in my complaint would be deleted from my credit file. All the hard inquires were not deleted. 8 hard inquires remain. I checked my credit report multiple times after the company response to ensure the inquires were deleted from my credit file and they were not. I called XX/XX/XXXX and spoke to a representative from the fraud department and I was told the remaining inquires were deleted by her and gave me a confirmation number of XXXX. I called XX/XX/XXXX the Equifax fraud department again after seeing the inquires were still not deleted and spoke to a supervisor and he declined to delete the inquires even with seeing the cfpb complaint as documentation. He told me I would have to resubmit a complaint. The fact that Equifax listed each hard inquiry individually stating each would be deleted means the company falsified documents to a federal agency. 

The hard inquires that remain and need to be deleted are * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. REVERESE MY PAYMENT HISTORY I  NEVER BEEN LATE ON MY REPORT IT SAYS I WAS LATE XX/XX/2019. 
1. Other information I would like changed XXXX  XXXX Account Number : XXXX I was never late 2. Other information I would like changed XXXX XXXX  XXXX Account Number : XXXX I was never late 3. Other information I would like changed XXXX XXXX   Account Number : XXXX I was never late
Product: Credit reporting or other personal consumer reports

Hello I am a victim of identity theft, these XXXX accounts listed below aren't mines. I have my police report and ftc. my id as well. 


I have no knowledge or information on these said accounts. 
midland credit XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of 15 USC 1681b, permissible purpose of consumer reports. I did not give written instructions for these items to be reported to my consumer reports. Also, a fraudulent account was opened in my name with XXXX XXXX XXXX and it can not be verified as valid or my obligation.
Product: Debt collection

1. Notifed by my XXXX XXXX XXXX in XXXX he was no longer my Agent with XXXX. 

2. Shopped Insurance companies for auto & rental and decided to proceed with XXXX XXXX as of XX/XX/XXXX 3. Signed into XXXX online client portal to find out how to contact new agent that XXXXXXXX XXXX  business was transfered to. No agent or phone number was shown in system however option to email agent was. Sent two emails through client portal Between XX/XX/XXXX when I told XXXX XXXX I would transfer both Auto & Renters policy to them, and Second when I cancelled the Auto Payment on both accounts saying I'm cancelling this policy please terminate you are no longer my insurance.

4. I received an email saying an amount was due but I thought the new agent simply hadn't processed my email yet. I had legally notified XXXX in writing, twice that I no longer wanted this policy due to the agent change and in a survey I completed I put that I was changing insurance companies due to this.

5. Fast forward to XX/XX/XXXX when I received a collection notice from Credit Collections Services stating I owe them for XXXX XX/XX/XXXX - XXXX XXXXXXXX of XXXX which I had CANCELLED VIA WRITING on the portal 6. Call XXXX main customer serivce line at this point on XXXX and talked to XXXX XXXX and she said she took over the portfolio in XXXX but was never notified that my account was past due or in collections and she would get it back dated. So I have emails showing I sent her how I filed the written cancellation and now XXXX states the emails weren't forwarded to XXXX nor did I show up on the cancellation list that she pulls weekly so I'm just out of luck because I didn't physcally call in. 

No where did it state I had to call in to cancel my policy, only to email my agent and I did so at least twice then called when I receivd a collection notice.
Product: Debt collection

On XX/XX/XXXX, I received notification from XXXX that my credit score had gone down considerably. When I signed into my XXXX  account- I saw there was a Collections Account from a Resort in XXXX - XXXX XXXX via Monterey Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX At this point I immediately put a freeze on my credit report through the 3 reporting agencies and filed 3 disputes with all 3 reporting agencies. The collections account via XXXX gave me the following details : Account Owner : Joint account Date Assigned : XX/XX/XXXX Creditor Classification : Financial Balance date : XX/XX/XXXX Balance Owed : {$3100.00} Original Creditor : XXXX XXXX Acccount Status : unpaid Status Date : XX/XX/XXXX I am in no way associated with or responsible for this debt. It is a fraudulent charge which is severely impacting my credit worthiness - my credit score already dipped to somewhere in the 500 range. Furthermore, I know there is no authorization, signature, or documentation that states my responsibility for this debt. Essentially, Monterey collections has XXXX proof that this debt belongs to me and have associated my name in an illegal way. I have never stayed at this resort or incurred charges at any such place. I am going to be taking all the necessary legal action to clear myself of these fraudulent charges of which has never been documented. I will next file a police report after submitting this complaint via the Consumer Financial Protection Bureau. I am looking to take legal action against Monterey Collections at all means necessary. Their practices in associating me with this fraudulent debt is illegal and I am not responsible for these charges/account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 Balanced {$9900.00}
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus, There is information that on my consumer report that is a result of identity theft .I did not provide written permission or instruction for the identified transactions to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted .My request to block is not being made in XXXX, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transaction by me as the consumer : You have 4 days to remove and blocked ALL THE INQUIRIES ON MY CONSUMER REPORT The account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX  XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME ACCOUNTS THAT I DO NOT RECOGNIZE OF MY OWN AND WOULD LIKE THEM REMOVED IMMEDIATELY. I HAVE ATTACHED THE PROPER DOCUMENTATION DESIRED TO HAVE THESE ACCOUNTS REMOVED. PLEASE SEE TO IT THAT THESE COMPANIES RECEIVE THESE COMPLAINTS AND ACT ACCORDINGLY.
Product: Debt collection

I have several accounts in collection on my credit reports from Wakefield and associates. I have disputed those debts, as I don't feel I am responsible for them. Wakefield and associates has failed to provide any information regarding the alleged debts and continue to report them without legitimate verification. My credit reports show Wakefield and associates as the original creditor and I certainly have no contracts or agreements with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with XXXX and it was mailed on XX/XX/XXXX, and XXXX received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and XXXX is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by XXXX, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. XXXX has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of XXXX at least twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that XXXX send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for XXXX and all other disputed information ; XXXX received this request on XX/XX/XXXX. I received a letter today from XXXX saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. XXXX has five days to provide this information to me and has failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This form is being used to report unauthorized inquiries on my consumer credit report. I did not authorize these inquiries and I did not give permission to anyone/company to run my credit. I have an active Fraud alert activated on my consumer credit report, would like these inquiries deleted off my report due to Fraud immediately. 

XXXX XXXX  - date of inquiry XX/XX/XXXX TXXXX XXXX- date of inquiry XX/XX/XXXX XXXX - date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXXXXXX XXXX- date of inquiry XX/XX/XXXX XXXX XXXX- date of inquiry XX/XX/XXXX and XX/XX/XXXX and also on XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXXXXXX XXXX- date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX. 

Thank you and appreciate your assistance in this matter.