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

I am writing this letter on my own accord without any assistance from a credit repair agency/specialist or 3rd party individual. I have reported this error multiple times and the information is still being reported wrong. And due to this false reporting it is causing me anxiety/financial hardship by making it impossible to find a place to stay.

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. 

XXXX XXXX XXXX # XXXX This is grounds for removal they also violated my rights under : 15 USC 1681i Section 5 ( A ) ; If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL ( i ) promptly delete that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 

15 USC 1681i- Procedure in case of disputed accuracy I sent a letter to XXXX XXXX XXXX XXXX and Equifax XXXX XX/XX/22. It has been well over 30 days and I still haven't recieved anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

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

15 USC 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without written instructions. I never consented to have my information reporting and please send me the name and contact of the person used to verify this account and original paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( Experian, XXXX  and XXXX  ) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, XXXX XXXX
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 168XXXX. XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting my alleged Experian credit score of XXXX I find out after only giving two banks permission to pull credit I have pages. Of hits lower our score by almost XXXX ; points. No- please do NOT give me the XXXX about freeze when the credit reporting agency 's admitbthey can not block all from hitting the credit which they do on a regular basis. Then you have the brokers who literally XXXX you shopping you credit. Opinion by nature of years of experience -And all the while you stand in arrogance and lies speaking of how you protect people. Wow- you KNOW exactly who and what you are. How pitiful the destruction of people for THE XXXX OF THIS WORLD XXXX. Sorry truth hurts. what's the complaint FIX AND STOP UNAUTHORIZED INQUIRIES!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Transunion reports a FRAUD information in my credit report. I requested dispute several times but they ignore. I received a letter from the Court that TRANSUNION did not contact them about my case. It is a Violation of Law. This information is FRAUD and Identity Theft. Must be removed. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX I HAVE NEVER LIVED AT THIS ADDRESS NAME : XXXX XXXX XXXX XXXX IT IS NOT MY NAME ACCOUNT : XXXX  XXXX bankruptcy discharged- I HAVE NEVER FILED BANKRUPTCY
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I still had a fraudulent account from XXXX XXXX  account number XXXX opened in XX/XX/year> with a balance of {$730.00} .Please remove this fraudulent account from my credit report permanently it is seriously hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

Elderly woman received call from grandson that he had been in an accident and was now in jail and needed money wired to him to get out. Described all kinds of injuries. Had a supposed public defender ( XXXX XXXX at XXXX case # XXXX ) call with explanations and directions to go to local XXXX XXXX with {$500.00} cash and Western Union the money to : XXXX XXXX XXXX XXXX XXXX XXXX Western Union tracking # XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX  I set up an account with Venmo so I could have money from a survey company XXXX to have {$25.00} put into my bank account. I received an email from Venmo that I had set up my account successfully. Within an hour I received another email telling me my account had been suspended for a violation. Since then I have communicated with Venmo between 20-30 times trying to resolve the issues. Finally on XX/XX/XXXX I received an email from XXXX XXXX PayPal Global Consumer Complaints & Advocacy that informed me, " On XXXX XXXX XXXX  we determined that there was no risk associated with your account. The suspension has been lifted and you have full access to your account. it also said that in another email I was given {$25.00} that I could transfer to my bank account. I tried several times on XX/XX/XXXX and over the next several days to transfer the funds with no success. On XX/XX/XXXX I received an email from XXXX XXXX from Venmo stating : " After review, it looks like your attempt to add this bank account is being denied by our system. '' So now after XXXX XXXX said in her XX/XX/XXXX communication my account was good I am being denied my payment again. For XXXX  months I have had this money withheld for no justifiable reason.
Product: Credit card

I did a kitchen remodel with the home depot, the designer told me I could open a home depot credit card interest free for 24 months. My interest free promotion ended in XX/XX/XXXX. I have my credit card on autopay, as I do all my bills as not to miss a payment. The autopay on XX/XX/XXXX was 7 times the usual amount so I looked up my account and saw that they added XXXX in interest to my balance of XXXX. After the shock I called them, furious, no warning from them about this and was told it was deferred for 24 months and had it explained to me. I wish it was explained to me when I signed everything for my new kitchen. I had a citi bank card and an XXXX with o % promo balance for 12 months. The difference should have been explained, The home depot I went explained none of this. That deferred feature should have been pointed out, That is not truthful or fair business practices. The home depot customer service rep I had on the phone asked if i signed the contract, yes I did along with the kitchen remodeling contract, there were many papers and I trusted my kitchen designer at the home depot to disclose something as costly as this, he knew I was on a tight budget and we kept changing materials etc to lower costs, This can not be legal. I would like that interest reversed and I will pay the balance in full.
Product: Credit reporting or other personal consumer reports

I sent a letter to all 3 bureaus asking who authorized them to report a balance on the consumer credit report. Received response stating verified.
Product: Debt collection

This complaint is in reference to Pioneer Credit Recovery Inc., and the company they represent, XXXX XXXX XXXX XXXX. On XX/XX/2020 I pulled a copy of my credit report to find that there is an additional balance for the same account yet only one balance listed on the statement I received in the mail. I also noticed that the account has an opening date listed with XXXX   and XXXX  but missing an opening date for XXXX  and showing the account as closed. I contacted the debt collectors ( Pioneer Credit Recovery Inc. ) and requested proof of validation on the  account. I also asked that all collection efforts cease and desist. In return I received a copy of an itemized list of the same information that I disputed and a copy of a promissory note from XXXX XXXX XXXX XXXX. In review of the itemized list I noticed that there was a difference in the total balance and interest balance listed. On the statement dated XX/XX/2020 one part of the list showed the interest balance as {$580.00} and the other part of the statement showed the interest balance as {$700.00}. The statement also showed one part of the total balance as {$8100.00} and the other part as {$8300.00}. I then contacted Pioneer Credit Recovery Inc. requesting more proof of validation and I did not receive a response within the 30-day validation period. I made a final attempt at obtaining sufficient proof of validation on the account but was unsuccessful. I also requested that the inaccurate, misleading, invalidated account is removed but received no response to that request as well.
Product: Credit reporting or other personal consumer reports

I was completely shocked when I saw incorrect accounts on my credit report today, and I can't figure out why they're there. I've always checked my report without any issues, but now, these discrepancies just popped up. I thought it might be a technical error and refreshed my browser, but nothing changed. The fact that the incorrect accounts stayed after refreshing has really shaken me. Im begging for a thorough review of the documents I sent so I can finally put this nightmare behind me.
Product: Checking or savings account

On XX/XX/XXXX, I went to XXXX XXXX to get a money order for the amount of {$230000.00}. I Not getting the money order due to the system being down in my card was not taking on the machine. When I found the dispute, truest bank immediately denied my claim when I contacted them they told me they had no further information and that they can not reopen my claim.
Product: Debt collection

The company. Credit Acceptance doesnt have a charter, functioning illegally and unlawfully. There is no original contact with my or my son, XXXX XXXX, autograph signature. Therefore Credit acceptances representatives collected payment under fraudulent actions. The alleged debt was disputed through notarized letter XX/XX/2021 and sent certified mail, return receipt XX/XX/2021. The company did not prove the alleged debt by satisfying our request for proof. Violation of The Fair Debt Collections Practices Act. The company proceeded on XX/XX/2021 to seize property & through coercion forced XXXX XXXX, secured party to immediately pay to have property released an back to him causing disruption and distress to his livelihood. 

I filed a complaint to you on XXXX XXXX, undersigneds behalf at the end of XXXX with XXXX XXXX as Additional Point of Contact which is on your website contained in the full complaint # XXXX, STEP 5 ; The companys response was sent to my email and continuously I attempted to open it to no avail. I emailed you, spoke to XXXX, XXXX and Ms.XXXX who the latter two said I am not authorized because my name is not on the complaint. I have print out proof as me being authorized. So your error has prolonged this problem & Credit Acceptance has continue to move forward in fraudulent actions. 

I have reached out to legal support.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported on my credit report. According to my recent credit report, the following information is incorrect : - The reporting information is listed inaccurate payments made, days of delinquency, and charge off dates.
Product: Money transfer, virtual currency, or money service

PNC has changed something digitally that prevents linking of accounts and digital payments. I now have to pay contractors with a credit card, and they get charged a fee. It's absurd. We used to be able to pay them via ACH by linking our bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is falsely reporting late payments on my credit report. They agreed to take it off of my history as this was their fault for the months of XXXX and XXXX. Spoke to them for over two hours and promised me that by the next billing cycle everything will be fixed and current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX As part of the purchase process additional services were offered by XXXX XXXX, XXXX XXXXXXXX. Specifically, Guidepoint XXXX tracking for {$300.00}. This amount is included prorated in the monthly payment for the car. Due to the car was purchased on Saturday XXXX after completing the paperwork process, I was told to bring the car during the week to install the XXXX My son, XXXX XXXX took the car on Wednesday XX/XX/XXXX and the XXXX  was installed, however the app did not work. On XX/XX/XXXX I called XXXX customer service phone number to seek guidance on how to activate the product. The representative tried to guide me thought the process of installing the application, however, did not work and direct my issue to XXXX. I called the XXXX XXXXXXXX, and he suggested that I go to his office to figure out the app issue. Then on XX/XX/XXXX, I returned to the XXXX XXXX office with my son to delete my access from the app  and give him access to the app to track the vehicle. During this meeting the XXXX XXXX gave my son access to the app and told us to wait around a day or XXXX for the app to be updated. I gave a week for the gadget to be properly installed to the app, but it never works. 
Then on XX/XX/XXXX I called XXXX XXXX, and he suggested changing the gadget for a new one. The next day, XX/XX/XXXX, my son took the car to the dealer and was in the service department for an hour and a half approximately and a new gadget was installed, XXXX XXXX work with the app and suggested that we should wait around a day or XXXX for the app to be updated. On XX/XX/XXXX, my son send a screenshot of the app to XXXX XXXX cellphone showing the location of the car on the coast of XXXX, XXXX and XXXX XXXX reply he sends the signal and soon received a text message. That text message never arrived. On Friday, XX/XX/XXXX I called XXXX Customer Service phone number XXXX and spoke to customer service-related relations team. The representative took notes of the issue and indicated that the situation will be escalated to the XXXX, and I would receive a phone call on Monday XX/XX/XXXX regarding this issue. Until now a phone call has not been received. On XX/XX/XXXX my son send a text message to XXXX XXXX phone indicating that the car was still showing location in XXXX. XXXX XXXX reply was that he was attending a personal issue, and he would check back Tuesday XX/XX/XXXX, however, there has been no response has either from XXXX Customer Service or XXXX XXXX regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

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

I don't owe anything to I C SYSTEM with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXXXXXX XXXX  since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Debt collection

On XX/XX/2019, I was served with a citation on a lawsuit from Barclays Bank Delaware with XXXX XXXX XXXX listed as the attorney for the plaintiff. After much research, I discovered that Barclays had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per Barclays. XXXX XXXX claims that they are not a collection agency and that they referred the account to XXXX XXXX XXXX, a collection agency law firm. I never received any type of communication from XXXX XXXX XXXX prior to being served with a citation. I sent XXXX XXXX XXXX a request for debt validation. The only thing they sent me was a few of the bills from Barclays and where I had applied for a credit card with Barclays on the Internet. That in no way validated that they had the authority to collect the debt. 

I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. 

Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. 

My complaint against XXXX XXXX XXXX is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports