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

Equifax has the following information on my credit report and it is not correct : Has a past address of : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never lived in Texas. 

Shows a late payment account from : XXXX XXXX This has never been late. 

XXXX XXXX XXXX XXXX XXXX 
This account does not belong to me. 

Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I purchased a flight through Chase Travel with my Chase Reserve Card on XX/XX/XXXX. I had to cancel this flight on XX/XX/XXXX and received a credit for the full flight amount to be used by XX/XX/XXXX. 

I have tried to use my flight credit and Chase Travel will not allow my to use the credit I have for this flight. I have attempted to use the flight credit through their online booking system as well as calling Chase Travel and have been unsuccessful in booking with the credit as the Chase Travel team has advised me that the credit is not valid. 

There is nothing in my email confirmations for the original flight purchased, my cancellation or the flight credit that denote a reason the credit can not be used. There is nothing in the terms and conditions from my original flight purchased or Chase Travel that denotes a reason the credit can not be used. 

I have contacted Chase regarding this purchase made with my Chase Reserve Card and they are unwilling to file a dispute because it is outside of their 60 day dispute timeframe. 

The Consumer Financial Protection Bureau ( CFPB ) defines fraud as an illegal act that involves tricking people into giving away their personal information or money. I highlight money in this situation as this is a deliberate act of Fraud by Chase Travel in giving me a Credit that I can not use. The Chase Reserve Card team refuses to acknowledge that this is a case of Fraud and will not dispute the charge or assist me with this case.
Product: Credit card or prepaid card

My issue with date back on XXXX XXXX, 2021 when I found my card had gotten hacked and fraudulent activities had happened with a total amount {$4400.00} stolen from account. I filed a dispute the first time and they denied and the second I filed even with a police report stating that fraudulent activities happened to my card plus giving example of time frames I live and where the transaction where happening are two hours and thirty minutes away. Theres no way I could have been there and within the three minutes apart with using my card and have done that. I also have documents stating that I can not leave the county or state and these activities happened outside my county and state. They still are denying me still to these date and they can not reveal to me what the issue of why. Ive been patient and some supervisors have given me false information as if they were poorly trained. It doesnt look good!
Product: Debt collection

this is a debt collection agency. they are reporting this debt on my reports for a Kwikcash. I have asked this company to validate this account. I have never done business with them. this is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ac US DEPT ED # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX 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: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX # XXXX - Balance : {$310.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

REMOVE FRAUDULENT UNAUTHORIZED INQUIRES. 
XXXX FRAUDULENT UNAUTHORIZED INQUIRES : XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX EQUIFAX FRAUDULENT UNAUTHORIZED INQUIRES : XXXX XX/XX/XXXX XXXX FRAUDULENT XXXX INQUIRIES : XXXX XX/XX/XXXX
Product: Debt collection

CBE Inc. contacted me through mail saying they were referred by Department of Veterans Affairs/US Department of the Treasury trying to collect a debt of {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit from time to time on XXXX XXXX I notice I have a open account with the company and I did not authorize this inquiry and the card never came to my home.I explained to these people that i live in a crazy neighborhood and half of the time our mailbox are left open by the carrier or broken into.This company have allowed someone to open an account in my name and now they wo n't remove the damage from my credit. I am in the process of repairing my credit and this have a negative impact on my credit. I asked that they send my proof that it was me that open this account because having my address is n't proof.
Product: Debt collection

Starting last year, I was receiving phone calls and text messages from " Bonneville '' in all honestly, I thought this was a scam because unfortunately, there are many out there. After a few months, I started receiving voice messages and text messages from this company stating they were calling from " bonneville collections. '' According to the FDCPA/CFPB debt collectors are only permitted to leave " limited-content messages '' on voicemails. Which is quoted as " a business name for the debt collector that doesn't indicate that the debt collector is in the debt collection business. '' This really solidified my position as this company must be a scam because they should not be stating collections in their voicemails or text messages. After receiving some paperwork from an attorney I found out who they were collecting for and realized I thought this bill was paid through my insurance, evidently it wasn't. I gave the attorney a call and let them know I'm willing to pay for the amount that was owed, and their collection costs of {$77.00}, however due to their violations I am not willing to pay the remainder. The representative informed me they would still pursue the judgement on the attorney fees even though I have made them aware of their violations. They were not interested on investigating this further, and just kept telling me I may want to investigate further. On the chance I was incorrect, as we all are at times, I did review the FDCPA laws, and it still concludes on voice mails debt companies should only be leaving limited-content messages. I reviewed my voice mails to, and I do have the recordings of the representative stating " collections. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans was put in with my Chapter XXXX Bankruptcy, because it was on my credit profile as a Debt. Case number XXXX - XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX On XX/XX/XXXX, This case was finalized and CLOSED. How ever, they are still reported on my credit report as " Debt included in or discharged through Bankruptcy Chapter XXXX ''. as negative report. While on other credit reports has updated to " Pay 's account as agreed '' XXXX XXXX XXXX   XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Direct Sub Stattford Loan {$1900.00} XX/XX/XXXX Direct UnSub Stattford Loan   {$3500.00} XX/XX/XXXX Direct Sub Stattford Loan {$1900.00} XX/XX/XXXX Direct UnSub Stattford Loan   {$3600.00} XX/XX/XXXX Direct Sub Stattford Loan {$1900.00} XX/XX/XXXX Direct Unsub Stattford Loan {$3500.00} XX/XX/XXXX Direct Sub Stattford Loan {$3.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, When I paid my XXXX 's account balance I believed I was paying it in full. Somehow {$2.00} worth of interest reported late. This late payment for {$2.00} of interest that was not shown when I made my payment dropped my credit score over 100 points. I am currently trying to get a new car and this is effecting my interest rate. Can you all please have this removed from my report? 

Account Number : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Debt collection

I noticed on my consumer report that Jefferson Capital was reporting on my account. I have never consented to contract with them, so they have breached my privacy by obtaining my private information.

I sent a letter to Jefferson Capital on XX/XX/2021 asking them to produce a valid contract that I have with them. I also sent along a document for them so fill out and sign back under the penalty of perjury, which they completely ignored. 

They have since sent me a letter on XX/XX/2021 with none of the information I requested. In their correspondence, they violated several of my Federally protected consumer rights pursuant to 15 USC. This is causing me great stress and harm and also a breach of my privacy as I never consented to contract with Jefferson Capital, or any third party debt collector.
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. 

Account Name : XXXX XXXX : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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.
Product: Checking or savings account

I get paid on the XXXX. 
yesterday my account had a check for XXXX, and it caused my account to overdraft. 
I got paid, still the check bouced, and I am going to be penalized because of the bank, over 80 in overdraft fees. One by the bank, other by the company that deposite the electronic transfer. 

I was abligated to open a new account due to concerns about identity theft, but it was handled badly, and y new account have no protection for overdraft. The bank did not rstore the services under a new account number, hense the This is the second time this happens, Additionally,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$4800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal Synchrony Banks is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Synchrony Banks the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX or Synchrony Banks whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Synchrony Banks never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Please assist me in regards to some negative items that are showing on my XXXX i already provided the XXXX documents the last time you asked me to provide together with the XXXX letters and the specific accounts that I wanted to be removed from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax ReportXXXX XXXX XXXX has reported as Medical Debt, variable rate and has changed classifications over time. Has reported " OK '' in months then has gone back and stated " 30, 60, 90, 120 '' days late in same period of time. Then they changed from Medical Debt to Personal Services to Installment and Individual Account. This account has been disputed as erroneous, negative information on my Equifax Report, Equifax came back as verified and then I disputed the method of verification, Person talked to, Company, Phone Number, Date spoke to, Documents bearing my signature showing debt. Nothing of forementioned was provided. Even more erroneous information on reports from Equifax shows " OK '' pays as agrees for 8 months and the balance and credit never changed and when XXXX XXXX went back to change times late, they showed 30 days late in XXXX 2021 and separately reported 60 days late for same Month with Equifax. This is erroneous and must be removed from my report. Equifax has drastically reduced my credit score from XXXX on report dated XX/XX/2021 to a XXXX dated XX/XX/2021 from their erroneous reporting and has caused negative financial actions because of such.
Product: Credit reporting or other personal consumer reports

Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the XXXX data breach identity theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigationover. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting 3 collections that should be deleted as the collections agency was collecting on the debt previously since 2018 for a large consolidated account that was in litigated. I did not received notice. Once I was made aware of tehse accounts through my mortgage broker. I contracted the debt collector paid the accounts in full and the debt collection agency agreed to remove the accounts delete them from my credit report as I did not receive notice. I am being denied a mortgage as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the life of my car lease with XXXX XXXX they kept pilling credit reports which show up on my credit score. Out of 3 years i had 1 late payment.
Product: Checking or savings account

On XX/XX/XXXX, a debit card was rush ordered to my house- that was not requested by me, and 4 seperate transactions happened without my consent. A {$3000.00} teletransfer, a {$950.00} atm withdraws from checking, a {$3500.00} ewithdraw from savings, a {$2800.00} ewithdraw from savings back to back. I received a decline email from Wells Fargo for an additional attempted {$500.00} atm withdraw which alerted me to the transactions in which I turned off card and called Wells Fargo to freeze accounts. 

Was working with Wells Fargo for home loan around XX/XX/XXXX. During the process of the home loan, the home loan officer- XXXX XXXX changed the agreed upon closing costs from original XXXX and added addendum to include XXXX unknown fee that he could not explain and called 7 times to force me to sign ASAP. Because of this, I engaged other home loan service, where they offered original XXXX. 

I notified the XXXX that I would not be moving forward with the loan on XX/XX/XXXX and believed the loan to be closed until XXXX contacted me on XX/XX/XXXX at XXXX to tell me he has declined our loan due to lack of funds. XXXX had full access to my Wells Fargo banking account and information as it was linked to loan. Believe there was a breach of info to hack account and commit fraudulent charges.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX Employer - XXXXXXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AL, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged DP OF EDUC - XXXX XXXX - XXXX DP OF EDUC - XXXX Listed below are the Inquiries that are being challenged XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX made an unauthorized credit inquiry that was listed my XXXX  report on XX/XX/XXXX. I have written to Amex on XX/XX/XXXX requesting documentation proving this authorized inquiry ( sent via certified mail ). AMEX responded XXXX on XX/XX/XXXX ) to the first letter claiming to have had " permissible purpose '' while totally disregarding my request to be shown proof of my authorization. I have since sent another letter ( via certified mail XXXX on XX/XX/XXXX again requesting the verification method and evidence to my authorization and I've yet to receive either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Caine and Weiner via phone call and asked them to verify the debt belongs to me They listed and address that isnt mine and something pertaining insurance with progressive but I dont have any cars in my name. They told me to file a police report and itll be removed it, it hasnt been removed and below I have an updated copy of the filled police report