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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 information is inaccurate.
Product: Debt collection

Under section 609 we demanded to see the original correspondence regarding this account and have not received anything from the companies listing original sources of contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX XXXX  XXXX XXXX account # XXXX XXXX. Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.
Product: Credit reporting or other personal consumer reports

The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. Experian has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while Experian has refused to address my concerns. XXXX has provided no resolution and establish no contact to this date. Experian has been provided with XXXX report reflecting corrected information in response to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Delayed Response and Request for Assistance I am writing to report and complain about the delayed response from the credit bureaus regarding my request. I have been a victim of identity theft and have been diligently trying to have the fraudulent information, inquiries, and accounts removed from my credit reports. Despite my repeated efforts, the bureaus have not taken any action.

I have contacted them multiple times, but each time they provide different information and have been stalling. As a result, my issue remains unresolved. I need your help to correct my address and remove the fraudulent accounts, inquiries, and any late payment tagging on one of my accounts, as I have always been a good payer.

Below are the account details without a history of late payments : ( Paid on time/Never late ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also attached my FTC reports, dispute letters, and IDs for your reference. Your assistance in resolving this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was involved in a data breach via XXXX, and XXXX I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.
Product: Debt collection

In XXXX, 2015, I purchased items from Conn 's. My credit report indicates that the original amount owed was {$2300.00} ( current balance is {$1500.00} ). From the beginning, the contract was deceptive. Unbeknownst to me, Conn 's added fees for furniture protection. I never authorized this and when I addressed it with the company after finding it on my contract, they stated that it 's a fee that is automatically added and that they do n't have to inform the customer - WRONG! I told the rep that I had Renter 's Insurance that covered all items in the home. I was told a refund would be issued and after also complaining about this to the store manager where I purchased my items, he informed me that he would also issue a refund for the inconvenience. To this day, I am still waiting.
In the meantime, I became very ill and treatments took up my time and income. I fell behind on my payments and Conn 's called relentlessly multiple times per day, from different phone numbers, calling me and my husband. When a rep finally reached my husband, she was abusive and threatening. She said she would sue us for not paying the bill and further indicated that we had no right to keep the furniture if we ca n't pay for it. At that point, we were absolutely done with Conn 's and we told them to come and pick up all of the items and credit our account. This was several months ago, and we are still waiting for someone to pick up the items.
In the meantime, Conn 's Charged Off this account and sent it to collections. This has further damaged my credit. Collections are now pursuing me and I have given them the same scenario, as I am giving you. This company is fraudulent and in violation of the UDAAP and FDCPA. The Texas Attorney General has lodged a lawsuit against this company and consumer complaints continue to mount. I am on the verge of filing a lawsuit myself, if this is not rectified accordingly.
Product: Credit card or prepaid card

Beginning XXXX XXXX Synchrony Bank began putting a {$1.00} charge on my card for every purchase made using their card at Amaon.com. This is a new behavior, and XXXX says they should not be putting that {$1.00} authorization charge on my account for each and every purchase. Also XXXX vows that charges for each purchase will not post until the item ships. Synchrony Bank has been posting charges for each purchase before the item even ships.
Product: Debt collection

An unknown representative from Financial Credit Network called my cell phone and left a voicemail asking for a return call. She did not state her name, the company she was with or that she was attempting to collect a debt. I have a no-call agreement with FCN because I have a recurring payment plan set up to pay the debt and am current in doing so. The call XXXX are unnecessary and borderline harassment. I had to XXXX the return phone number to find out it was Financial Credit Network who had called.
Product: Credit card

The company and I agreed to a page to delete settlement. The account, and the company did not uphold their end of the contract, and I would like the information removed from my credit report as the debt has already been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted XXXX XXXX bank # XXXX about my ex husbands account reporting on my credit report. I was an authorized user, not a borrower, so this should not be reporting on my credit. I contacted XXXX XXXX to dispute it and because i was not able to provide the full account number, they stated they couldn't do anything or even pull it up. When my banker went to pull my credit today and sent it to me, I see that they never removed it as the FCRA regulation requires them to as I am not the owner of the account. I am asking that you get them to remove this as they refused to help me. This was my ex 's account so I did not have the full account numbers. This is a UDAAP violation as this is unfair and they were deceptive when I was added as a authorized signer. 

On my credit it is showing as opened XX/XX/XXXX and closed XX/XX/XXXX, with a charged off balance of {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown inquiries listed on my credit report from CAP ONE NA, dated XX/XX/XXXX and XX/XX/XXXX. I have no knowledge of this company nor did I give consent to authorize anything. CAP ONE NA did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called Equifax on several occasions about my XXXX XXXX card and my XXXX card not being reported. Both of these cars are showing on my XXXX and XXXX  files. They have told me on several occasions to contact my creditor and to let them know that is not reporting and that it is not an Equifax issue. I did as I was told in contact with the creditors to let them know that you can fax said that they are only reporting one of the creditors send and the creditors told me that they reported every month to all 3 bureaus. They have even gone as far as submitting an emergency report to Equifax twice and it still is not reporting.  They have even allowed a creditors to report the same account twice on my report. I really need this to report on my Equifax report because I am trying to purchase a home and their negligence is preventing me from doing so. Please help me to get Equifax to resolve this issue immediately.
Product: Credit card or prepaid card

i purchased a new laptop computer online XX/XX/2022 for XXXX the laptop was falsely advertised and the XXXX factory seal missing therefore this laptop was used, refurbed or tampered with, also later noticing the specifications were not correct, I took this matter up customer service multiple times disputing the charge and it kept being solved in the merchants favor saying it was a valid transaction, so i contacted the Executive officer of customer advocacy ( XXXX ) Once again they said it was a valid transaction, This Has Nothing To Do With Being A Valid Transaction, This Was Fraud And False Advertising Which Is Illegal, Therefore they Let A Criminal Violate me, I've Been A Customer Of Discover For 28 Years, I Definitely Do Not Agree With The Way This Issue Was Handled
Product: Debt collection

On XX/XX/XXXX I noticed a negative collection from Radius Global Solutions whom I have never heard of, never had any documentation of debt, and did not provide me letter of notification as to which I may dispute the debt within 30 days as required by law. The amount of collection is {$97.00}. This has negatively impacted my credit and my ability to make future purchases.
Product: Debt collection

I had XXXX for years. When I was given a no-cause eviction notice because they were selling the apartment complex I lived in, XXXX assured me they would not charge me the {$150.00} early termination fee. I started receiving bills trying to collect the {$150.00} as well as threats to send it to a collection agency. I called again and was told I need to speak with the billing office. I called billing and was assured they would correct their error and they would credit the {$150.00}. I explained I am trying to buy a home and can not have this affect my credit. They once again, assured me all is corrected on their end and I will not receive any more notices. Well, the next notice I received was a hit on my credit report from a collection agency on behalf of XXXX, for the {$150.00} early termination fee. I called yet again ( probably 15-20 phone calls in all ) and they again apologized and said they have credited the {$150.00}, but her supervisor will have to send an email to somebody to have it removed from my credit report. Absolutely crooked company I HATE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX ALLY FINANCIAL Attn : CFO XXXX XXXX XXXX XXXX, MN XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with ALLY FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ALLY FINANCIAL for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best regards, XXXX XXXX
Product: Credit card or prepaid card

Dear Sir/Madam, I am contacting your bank in regards to your practices. Citigroup had wrongfully accused XXXX XXXX XXXX XXXX as a conspirator to steal from his father by making purchases by using his charge card. XXXX XXXX did not even have access to XXXX XXXX 's card and has severe XXXX. Your bank has damaged XXXX XXXX 's well-being by forwarding his information to the XXXX XXXX Police Department. Our federal agency is not inclined to release any evidence against your bank. If Citigroup wishes to see the emails, it must contact XXXX XXXX XXXX. Citigroup must write an apology letter to XXXX XXXX XXXX XXXX for accusing him for committing fraud. Citi must also notify the police and reverse all charges against XXXX XXXX XXXX XXXX. It is not illegal for a father to pay his son 's bills, especially because he has a XXXX. XXXX XXXX XXXX XXXX is a model citizen and is an ambitious college student. He did not have any credit or any liabilities. If Citi creates further problems for XXXX XXXX 's family, we will file an enforcement suit against your company. We have also advised XXXX XXXX to close his card if any further problems were to occur with your company. Furthermore, Citi must welcome XXXX XXXX XXXX into a banking relationship with the company as a compensation for the damages he suffered. We appreciate your cooperation in regards to this matter. 
Sincerely, XXXX XXXX XXXX Senior Advocate XXXX NJ CONSUMER AFFAIRS FRAUD DIVISION
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I opened a credit card account with XXXX XXXX XXXX XXXX XXXX ( XXXX ). This card appeared on my credit report continuously until approximately XXXX of XXXX. In the spring of XXXX there was a data breach at my employer, XXXX XXXXXXXX XXXX which is affiliated with but separate from the credit union. My information was leaked in the data breach so I placed an extended fraud alert on my credit report, which should not have removed any legitimate accounts from my report and should only have required that I be contacted to verify any new accounts. Despite this, all three credit bureaus incorrectly removed the XXXX credit card from my report. I have called and written to all three credit bureaus several time providing information that the account is legitimate, as have representatives from XXXX on my behalf, but all three refuse to even respond with anything but an automated letter that does not address the issue. At this point the credit bureaus are knowingly misrepresenting my credit history and have more than enough proof that the missing account is legitimate.
Product: Credit reporting or other personal consumer reports

I found inaccuracies on my credit report that appear to be governed by 15 USC 16c-2. This information is not accurate and is harming my credit standing.
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 the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX :, BK OF AMER : # 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 suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Mortgage

Apparently my account was sold to XXXX XXXX from Dovenmuehle Mortgage - I sent my payment on XX/XX/XXXX to Dovenmuehle Mortgage - they stated on XX/XX/XXXX the payment amount will be finalized and sent to XXXX XXXX. I never got a letter stating my mortgage was sold/transferred from Dovenmuehle and they did not transfer within the 60 days
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.