23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$560.00} Amount {$560.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$120.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$440.00} Amount {$440.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2500.00} Amount {$2500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Possible financial Original amount owed XXXX XXXX XXXX XXXX Dispute this account Original amount owed XXXX $ Dispute this account XXXX inquiries I dont recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please dispute all of these inquiries And all old addresses and names that dont say XXXX XXXX XXXX Dispute these names and addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENEP, to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN ENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I signed up for a saving account to work on saving my funds so i can better budget my finances. So I signed up with Ally Finance due to their APR, This placed a hard inquiry on my credit report for the date above. 


On XX/XX/2019, Ally Finance give me a second hard inquiry on my credit report and closed my account due to no other reason whatsoever. This inquiry also affect my credit report and has made it hard for me to continuing improving my credit report. As a student and someone from another country. I am still getting my feet wet with the financial system in the US. I have learned a lot from this experience and deserves a second chance to start from scratch by removing these two hard inquiries on my report. 

The company mentioned that there was nothing that they could do to help me with this since my account is already closed by them!
Product: Money transfer, virtual currency, or money service

I have been cashing my checks like normal and for some reason, no place can cash one of my checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX, I was a victim of Idenitity theft, I filed a police report when I disovered there were fraudulent accounts being opened under my name 11 to be exact, by XXXX XXXX XXXX, The items and accounts are being reporting on Early Warning Services LLC, I have Filed Several disputes with them to only have them remove everything but the following 11 XXXX XXXX accounts. I recently was able to place a block on the Early Warning Services Report, and I also filed a report with the FTC all the documents I will have attached, I have attempted to dispute this directly with the bank I have been given the run around since XXXX, This is hindering my life as I am a victim of my idenitity being stolen, I can not currently open any accounts until this is resolved and removed from EWS. This is hindering my buisness.and my life.
Product: Debt collection

A collection was placed on my XXXX & XXXX account by a Consumer Adjustment Company Incorporated who has not provided me with a verified debt, original documentation or even provided me with notice that they own the debt. The first I have heard of this company was on my credit report. The Company is stating they are collecting a debt on behalf of XXXX XXXX, but I've only ever own two memberships by XXXX XXXX and both are currently active. ( Please see attached documentation )
Product: Debt collection

I just reviewed my XXXX credit file and found out that there is a collection account on my credit file. The name of the collection agency is DNF ASSOCIATES .Account was opened on XX/XX/2020. The dollar amount is {$2000.00}. I believe this Collection is a result of identity theft. I am including the police report with the city of XXXX that I filed that my account at XXXX XXXX XXXX was compromised my mail was compromised in my social security card was Stolen.This collection company has never reached out to me By law I have 30 days to respond back to any correspondent that send to my address. 
I would like DNF Associates to reach out to me regarding this collection. I have opened a dispute with TransUnion. DNF Associates is in violation of fair debt collection Act I have never signed any contract with dnf Associates. I have never done any business with them and I never received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.
Product: Checking or savings account

XX/XX/2022 I was told that I was sent {$120.00} via XXXX through my Chase checking for a set of golf clubs I was selling. I was then told I needed to accept and additional {$300.00} payment and refund the money back to the buyer. I sent the {$300.00} back however, I never received the offset. 

I called and filed a complaint with my bank as well as with XXXX. My bank stated I mostly would not receive my funds back since it is a form of cash. I attempted contacting the person who I sent the money too and they stopped replying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and Equifax. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple Hard Inquiries on my XXXX credit report I did not give permission to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a written request to the three major reporting agency ( XXXX, Equifax, and XXXX ) via XXXX on XX/XX/22. The letter provided current personal information that should be used to properly identify me, the consumer. In my correspondence I also asked that all other personal history be deleted because I was concerned that I might be susceptible to identity theft. I have attached a copy of the receipt from usps and a copy of the document that was sent out on that day. Neither of the three credit reporting agencies has yet to respond to my request or have taken any action to resolve this matter.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 my 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 to be updated.

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. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car through Prestige Financial. A year after owning the vehicle the payments became too much for me. I sold the car to a family member. Before I sold the car I contacted the company and asked them if the new owner could assume the loan and title to the car. They assured me that the title of the car would be transferred and that I would become the co-signer and the buyer would be the primary loaner. Prestige Finanacial took the new buyers information and added them to my account but never transfered title or added them to the loan itself. They entered into a payment agreement with me and the new buyer while accepting payments from both of us. The new owner paid as agreed but because I did not continue my payments myself they repossed the car a week after recieving a XXXX $ payment from the new owner. After the repossesion they placed the loan amount on my credit report as well as the new buyers credit report. PrestigeFinancial misreprented themselves, they fraudelntly added the buyer to my account but did not add the buyer to the loan or transfer the title as promised. Since they did not do as promised the new buyer should not be on my account for they have no interest, and no contract with Prestige Financial. I ask that they stop reporting false information to the credit bureaus because the loan clearly states my name alone not the new owners. They illegally repossed the car after they entered into an agreementand accepted payments on the past due amount. They collected money from the new owner and pretended that the new owner was really on the loan.They accepted payments from the new owner and still repossessed the car. I have a copy of the loan and the new owner was never added. All monies that was collected from new owner should be returned to the new owner because they never had a contract with Prestige Financial and Prestige Financial fraudently purported as if they have a valid contract.
Product: Credit card or prepaid card

Sent annual fee in to captal one came on due date, because of hospital stay. Company agreed to wave late fee but never did. When I called back a fee was removed but not the original fee which kept adding additional late and they made me pay {$81.00} in fees that should not occurred
Product: Credit card or prepaid card

I called the credit card companies and told them I was unable to make the payments due to financial hardship I was having. The representatives with whom I spoke with several times, told me I had to pay regardless. Therefore, I had to make a drastic decision and I stop paying. Then, the cards were charged off. I started receiving calls everyday to collect the payments on charge off cards. Then my accounts was sold to XXXX XXXX and XXXX XXXX has been calling me everyday, and on my job. When they called my job, the representative would ask for me, they would have have to be transferred several times, not only that but once they are transferred to me, they would still ask for me, and when I would tell them I am not allowed to receive calls on my job and I hang up. This company still call me on my job. Now, I have received papers stating this company will be seeking legal actions if payments is not received by this month. I did not sign a contract with XXXX XXXX and I do not owe this agency. I have been receiving calls from so many other advertising companies due to my personal information being sold, even through the mail. I have gotten to the point I do not answer my phone because I don't know who is who or who to trust due to this.
Product: Checking or savings account

I opened a new SoFi checking and savings account on XX/XX/2022, transferred {$5000.00} into the account from another bank, and set up the account to receive direct deposits. The next day, they froze my account without giving any reason, locking both the {$5000.00} I deposited and giving me no access or record of the direct deposit funds that also should have been sent to the new checking account I have tried calling their customer service fraud prevention line several times as well as reaching out to them through their XXXX account direct messages. They have been completely unresponsive providing me with no avenues to get information on the issue or resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a Costco membership at one of their stores on XX/XX/XXXX. Even though I have numerous credit cards I decided to apply for their specific Visa card through Citi, to get the best bang for my buck. The sales girl called them so I could give them my info. I was denied and told I would receive a letter stating why. Approximately a week later I received a letter stating that I was denied. 
This is what the letter states! 
You have filed for bankruptcy and your previous accounts with us was included in the filing. This includes any of your accounts issued by Citibank , N.A . such as Visa, Mastercard, store cards, or gas cards. 
Your previous or existing account with us has a history of late payments. This includes any of your accounts issued by Citibank , N.A . such as Visa, Mastercard, store cards, or gas cards. 
The credit privileges on your existing accounts are currently restricted. 
Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency. 
XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX I have trouble inserting things, thats why I did not send a copy. If need be, I can fax or e-mail. I contacted XXXX and they do not have a record of the application or a bankruptcy. They sent me a copy of my credit report. I have 2 other cards through Citi bank. A Master Card and a Best Buy Visa. I have never been late on any of my cards. I have spent hours trying to get to the bottom of this. Costco was on hold for such along time I told the girl to not worry about it. I have been transferred on the phone today with Citi for 3 hours, trying to find out where this false info is coming from. This is why I need your help. If Citi did this without even contacting XXXX  why would they lie about this? I am completely baffled!
Product: Checking or savings account

On XX/XX/2022 I entered bank of America and opened an checking account. As well as savings account. 
Account is defined as : An extension of a credit by the Code of Federal Regulations and The Consumer Financial Protection agency guidelines, at this time I was not awarded any credit. I was also misguided and never alerted to the FDIC insurance of my accounts {$250000.00} protection in place due to the deposit I made when I opened the account. 
This is a criminal penalty and I am making the complaint to see that this location on XXXX XXXX XXXX in XXXX NY has their financial officer held liable for their role in this denied extension of credit and not making it known that I was insured at the time of the account commencing. 

I want to be contacted by the Bank of America and afforded the opportunity to have a line of credit extended as per the Code of Federal Regulations states that is the law, I want to hold the financial officer liable if he/she refuses to contact me and make this criminal penalty right. 
I want to be told that I am insured by the FDIC by employees of any financial institution,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX data breach, your company is furnishing and reporting a FRAUDULENT account on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). Remove and block the XXXX XXXX XXXX account from my credit report immediately. 

I have provided all required documents such as proof of identity of consumer, a report, ID, and a statement. 

" A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' 15 USC 1681c-2 ( a )
Product: Credit reporting or other personal consumer reports

Hello! I want to follow up for the inquiry I found in my Experian Credit Report that I want removed. Again, as you know I want to make sure that my credit report will have clean slate with no unauthorized inquiry whatsover reporting in it. So, if possible I want this single inquiry BE REMOVED in my Experian credit report : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XX/XX/2021
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 XXXX XXXX XXXX. 
Chime stride account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX acount # XXXX XXXX XXXX XXXX account # XXXX ability recovery servi account # XXXX AR Resources XXXX account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A states that I have a right to privacy. 

XXXX XXXX XXXX section XXXX XXXX : it also states a consumer reporting agency can not fernish a account without my written letter of instructions. 

XXXX XXXX XXXX. ( A ) ( XXXX ) Section states : No consumer 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 antendates the report by more than XXXX years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not fernish any information relating to a consumer to any credit reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.