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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Hello my name is XXXX XXXX I rented from XXXX XXXX at XXXX XXXX XXXX XXXX TN last year and during move in they gave me dirty apartment and said you do not have to pay for it as you have recorded it in the inspection list during move in. So after I moved out in XXXX last year everything was good until this XXXX they reported my account to collection about the cleaning charges. I asked them to send evidence of cleaning and I will pay the charges which was never sent. 

So I reported this to XXXX and Equifax. XXXX did the investigation and removed that from my account as it was a fraud charge. But I have been doing back and forth with Equifax since 2 months providing them all documents, police report but still without doing the investigation they are saying account belongs to you. whereas I reported about fraud charges and not about account belonging to me. So please help me with this to complaint about Equifax not doing the investigation. 

Also I was even XXXXXXXX in the community for which I had to call XXXX and I had asked to move-out but they said you have to stay the whole term till the end of the lease and never did leave me to move out.
Product: Credit reporting or other personal consumer reports

I recently did an investigation which caused severe XXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Transunion didn't ensure these accounts were reporting 100 % correct. Transunion has continued to show no regard for and disrespect for the law. 

In accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Transunion stated that the XXXX accounts ( XXXX : XXXX XXXX : XXXX ) were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit agency didn't make sure was reporting 100 % correct. 

In accordance with the fair reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agency stated that these accounts were properly investigated and came back as verified, however is this true when there are several inaccuracy showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification description of reinvestigation procedure
Product: Credit reporting

My brother 's activities are showing up in my TransUnion credit report and possibly my activities are showing up in my brother 's credit report. Called to resolve the issue but was not successful.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 card or prepaid card

I am having issues with Citicards/ Citibank . For this card, I am an authorized user. My mother, XXXX XXXX has added me to this account in XXXX. I was a minor at the time and did not consent nor want her to add me as an authorized user. The company has refused to remove me as one. I have disputed with XXXX as recently as XX/XX/XXXX and called and tried to get them to remove me as well. They will not as I am not the primary card holder. I have contacted my mother but she is abusive and toxic and refuses to remove me. I have attached the completed dispute results and text messages to my mother pleading for her to remove me. The account has a balance of {$2500.00} according to XXXX as of XX/XX/XXXX. I have not ever held the card from that account in my hand, let alone spent or should be responsible for these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motors # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 XXXX XXXX XXXXXXXX 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 XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX data breach
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to address this issue, the late open account persists, which is adversely affecting my creditworthiness and financial standing. 

As previously communicated, the presence of a late open account inaccurately portrays my credit history and could have detrimental effects on my ability to access credit and financial opportunities. I have provided detailed documentation and evidence to support the correction of this inaccuracy, yet it remains unresolved. 

I kindly request an update on the status of my request and urge you to prioritize the correction of this late open account without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX Balance Owed : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I phoned in XXXX, again in XXXX and later in XXXX with no help. 

customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ih Mississippi XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX there are two with in 3 days. I only authorized one of these.
Product: Credit reporting

In XX/XX/2015, I terminated a lease early with XXXX XXXX XXXX in XXXX XXXX, FL. The lease stipulated if the lease was terminated early that I had to pay 2 months rent at termination. I went to my bank and got a money order for the amount that was due less my Security Deposit. I withdrew {$1400.00} from my XXXX XXXX XXXX account and used {$220.00} in cash I had on me to get the money order. I gave it to the XXXX XXXX one of the property managers. She gave me a release that showed no further money was due. In XX/XX/2015, I received a notice from XXXX saying I owed {$1600.00}. I immediately disputed this with XXXX and contacted XXXX at XXXX XXXX who denied receiving the funds and had no explanation as to why they never contacted me before turning me over to collections. I have disputed this with XXXX and both Transunion and XXXX to no avail. I have hired an attorney who sent demand letters which were met by legal threats against me. This has cost me a job and hurt my ability to obtain credit. I just want this incorrect information removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LOOKED OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME SO THEREFORE I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE ON THE ACCOUNT AND INQUIRIES SO THAT THEY CAN BE REMOVED FROM MY CREDIT FILE IN A TIMELY MANNER.
Product: Debt collection

Asked company to send actual contract that was purchased from XXXX XXXX and they couldnt provide the contract nor accurate amount that was owed
Product: Credit reporting, credit repair services, or other personal consumer reports

in reguards to the following accounts they are in violation of us 1666b sec 2 which states that If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

They are also in violation of 1681i which also states Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. 
XXXX XXXX XXXX XXXX XXXX  ss Acct # XXXX address ... XXXX XXXX XXXX XXXX tx XXXX XXXX, XX/XX/2022 XXXX ) XXXX XXXX Acct # XXXX address ... XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX dates ... XX/XX/2022 XXXX ) XXXX XXXX XXXX Acct # XXXX address XXXX XXXX XXXX XXXX XXXX wa XXXX dates ... XX/XX/2022, XX/XX/2022
Product: Money transfer, virtual currency, or money service

I have being using cash app for years to pay for goods and services, to see family and friends funds and resources to my church after XXXX. When I was truly made aware of the amount I was charged.
Product: Checking or savings account

On XX/XX/XXXX I attempted to withdraw {$500.00} cash from XXXX XXXX up ATM at XXXX XXXX Wells Fargo branch in XXXX, XXXX. The ATM made noises but failed to open the container to provide the cash. I drove around to the ATM attached to the wall at the same branch and was able to withdraw the cash. I noticed that they charged me for both withdrawals on my Wells fargo app so I called the customer service line at Wells fargo to report the issue within minutes of the original withdrawal. She assured me that it would be taken care of quickly. On XX/XX/XXXX I received a letter from Wells Fargo stating that no malfunction had occurred and they denied my claim. I called the number on the letter, only to wait a long time on hold and be provided with another Wells Fargo worker that is less than effective. I was told that my claim would be submitted to the Executive board for further review and I would hear back within XXXX weeks. I stopped the local branch and explained what had happened to the branch manager. She assured me she help and provided me with the executive case manager- XXXX XXXX. XXXX XXXX just called and stated that he was only a liaison and that they denied the claim again. When I asked for video footage and the amount in the ATM at the end of the day ( as it would not match ) I was told that he could request the information but they are not required to send me any evidence. Basically- Wells Fargo is guilty of Fraud at this time. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was involved in the equifax breach amd my privacy was violated.
Product: Debt collection

I have repeatedly disputed the PORTFOLIO RECOVERY ASSOCIATES attempted debt collection of {$1300.00} on a XXXX XXXX. account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Completed investigation of FCRA dispute - consumer disagrees. Re-investigation Information : This item was updated from our processing of your dispute in XX/XX/XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one account with XXXX XXXX XXXX which was in great stands by the way since XXXX. I received and alert XXXX, experian XXXX  and XXXX XXXX XXXXrom my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education XXXX who is a debt collector. They told me XXXX gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. XXXX XXXX  said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. XXXX report 9 account of student loans account to my credit report that all have the same account number. XXXX reported all to my XXXX. This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC XXXX XXXX {$0.00} paid % in full DEPTEDXXXX XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

Fraudulent Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX M XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Bank account or service

On XXXX XXXX, 2015 XXXX ( PayPal Credit ) made an unauthorized credit history inquiry to EquiFax which negatively impacted my XXXX credit score. I had an established credit line with PayPal credit of over {$5000.00} and and at no time did I use anywhere near that amount. There was no reason for the credit history request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Eastern time I called Experian to get a status updated. Ive sent out multiple dispute letters and complaints to have the eviction removed from my report dating back to XX/XX/XXXX. I havent received any update. When I called today the representative informed me that shes unable to give an update, remove any incorrect information, give me any information on the creditor to directly reach out to resolve the matter. The representatives name XXXX was rude and not helpful. I asked for a supervisor and was denied multiple times.
Product: Debt collection

On XX/XX/XXXX I wrote a personal check numbered XXXX to The Home Depot. Due to a miscalculation on my part the check was returned to The Home Depot NSF. I expected them to resubmit the check and made certain that I maintained sufficient funds to cover the check. In late XX/XX/XXXX, I received a communication from XXXX XXXX XXXX regarding the check dated XX/XX/XXXX. A few days later I received a second communication regarding the same check dated XX/XX/XXXX from XXXX XXXX XXXX. I went to my bank on XX/XX/XXXX and procured a Cashier 's Check in the amount of {$150.00} ( which included the amount of the original personal check of {$130.00} and the {$25.00} returned check fee ) and numbered XXXX. I immediately mailed this check via XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Cashiers Check was cashed on XX/XX/XXXX and posted in my bank on XX/XX/XXXX. While the Cashier 's Check was in route to XXXX, The Home Depot resubmitted my original personal check numbered XXXX to my bank and it was honored. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX to tell them the check was in route. I did not know at that time that the original check had been redeposited and had cleared. After finally figuring out what had transpired, I contacted XXXX XXXX XXXX again on XX/XX/XXXX, XXXX spoke with XXXX XXXX. I explained to her what had happened. She informed me that they were not equipped to handle refunds, etc. except through their website ( XXXX ). I submitted through their website the forms ( there was no manner to submit documentation ) and awaited their answer. I received their reply today, XX/XX/XXXX. Thus, the reason for my complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX & XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$460.00}
Product: Debt collection

Theyre charging my ex almost {$7000.00} when he broke the lease XXXX month before it was over
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment Immediately. 
Account XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX ) Months Showing Late Payments XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023