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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was reported late. I made a scheduled ACH payment for {$350.00} and was credited XXXX in XX/XX/XXXX. 

XX/XX/XXXX I was reported late. I made a ACH payment of {$30.00} and was credited {$30.00} in XX/XX/XXXX It is affecting my credit score and ability to purchase a home, obtain additional credit, maintain low car insurance payments and acquire new employment.

I only have 4 missed payments in total for the life of the account. I was reported 90 days late in XX/XX/XXXX. I was reported 30 days late in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I received a Cash App Cash Card mailed to my address in my name ; however, I did not open a cash app account. I received the card on XX/XX/21 and I contacted the company on XX/XX/21 to attempt to close the account and ensure the card does not get activated. The Cash App customer service number that I called asked for my email to be able to send me a link to submit my information to " deactivate '' the card. I told them I did not want to share any more information since they already had my mailing address, name, and now through my calling they had my phone number. They assured me that the only way to deactivate the card was to send me an email with a link. I declined this as it sounds like a scam attempting to get more information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a call from XXXX XXXX XXXX, specifically from a lady by the name of XXXX XXXX, who asked if I was still interested in refinancing. I told her no, explained that I was working with my lender because other lenders have not been able to assist with my needs. I told her I did n't want to speak to an account rep/exec because I did not want an inquiry made on my credit. She assured me that there would not be an inquiry made on my credit without my permission first and transferred the call to XXXX XXXX. I spoke with her and she gave me some possible lending options / scenarios but never asked if she could pull a credit inquiry. A few days later I received a credit score disclosure document from XXXX stating that a report was prepared for XXXX XXXX. I contacted XXXX XXXX immediately to complain and ask that the inquiry be removed from my credit. OnXX/XX/XXXX XXXX XXXX contacted me and he notified me they would not remove the inquiry because they had " permissible purpose '' to pull inquiry and also express consent based on lending tree interest application I filled out. I was told that they would send me a copy of such, which I am waiting on. I called lending tree and was told that the only time express consent is given to run credit inquiries without prior permission is for car loans and credit cards. I also made a call to XXXX XXXX XXXX general counsel XXXX XXXX. He said he would look into the matter and get back to me. I asked that he pull and listen to full call from the point the dialer made initial contact with me so that he could hear the full discussion I had with both XXXX XXXX and XXXX XXXX. I was assured by XXXX XXXX that I would not have any inquiries made on my credit without my permission. When I spoke to XXXX XXXX he said he only listened to portion of call with XXXX XXXX. I asked him to listen to the full call as well, and he told me that even if XXXX XXXX told me that an inquiry would not be made without my permission does not mean it is so because they could run an inquiry as long as they had a permissible purpose, which was me speaking with account executive. I explained to him that I did n't even want to speak to executive and made this very clear, and that I would have just hung up if it were n't for XXXX XXXX assuring me that no inquiry would be made on my credit. Every other lender that has contacted me has asked permission to run my credit, and I have said " no '' each timeXXXX XXXX XXXX XXXX was deceitful in their tactics and practices, and made an inquiry on my credit knowing that I specifically asked them not to. I will be pursuing a lawsuit if they do not take the proper action to rectify their mistake.
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DON'T CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING. PER THE FCRA  AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION. I THE CONSUMER HAVE GIVEN WHETHER VERBAL, WRITTEN OR NON-VERBAL PER 15 USC 1602. I HAVE IDENTIFIED ACCOUNTS ON MY CREDIT THAT ARE RESULTS OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME. I HAVE READ THAT I HAVE RIGHTS TO HAVE MY INFORMATION BLOCKED AND REMOVED PURSUANT TO 15 USC 1681 c-2. PLEASE HONOR MY REQUEST AND REMOVE THESE ACCOUNTS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. These are the name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681section 604 A section 2 also States a constant reporting agency can not a account without my written instructions 15 u.s.c1681/c ( a ) ( 5 ) section startes ; no consumer redorting agency may make any consumer report containing any of the following items of information any other than records of conviction of crimes which antedated the report by more than 7 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 cause to believe that the information is inaccurate
Product: Debt collection

PayPal violated the FDCPA, 15 U.S.C/805 by calling my spouse and discussing my personal account with him. On Thursday, XX/XX/2019 their debt collector/collections called my husband 's personal cell phone and asked for me and then preceded to give him the balance owed on my account as well as an offer to settle. This account is NOT jointly owned and I have never given them permission to discuss my account anyone other than myself.
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX - I made a furniture purchase at our local furniture store. I requested a credit limit increase with Wells Fargo Home Furnishing Credit Program, an account that I have had open for many years. The credit limit was increased as requested, however not for the amount of the purchase. In good faith I paid the difference in cash. However, I opted to contact Wells Fargo on Wednesday, XX/XX/XXXX to request reconsideration of the credit limit increase to prevent the card from being at 100 % utilization. Wells Fargo advised me that the only way to request a reconsideration was to repull my credit report. The representative also steered me to believe that I needed to state additional income of my spouse on the application for reconsideration in order to be a approved. Being that I needed the reconsideration and was under the impression that the additional income would help the outcome, I approved Wells Fargo to repull credit. I was advised to follow up 30 minutes later. When I followed up 30 minutes later, I was told that I was declined and they were unable to advise me a ) of the decline reasons b ) if they repulled my credit a second time. I requested to speak with a manager and they were unable to answer either question ; however shared that I may request a 3rd reconsideration if I permitted a 3rd repull of my credit report. I then notified them I was reporting Wells Fargo to the CFPB and was sent to an Executive Escalation contact who was unable to assist with my reconsideration request or provide any insight as to the reasons for the decline of credit. 
I feel this is not only predatory by requesting a 2nd and 3rd credit report but also that I was targeted and steered to list additional unnecessary income when my DTI is less than 20 % of my total income for a credit card. It is not acceptable for any financial institution to repull credit arbitrarily and impact FICO scores for up to 2 years. I feel that I was mislead, taken advantage of and given no explanation for the decision and hope that I have recourse in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was recently looking at my credit score on XX/XX/2020 on XXXX I noticed there was an inaccurate report on my file and I wanted it removed from all the credit agencies as this was already handled in collections. I had paid this company XXXX off in full. I believe it was XXXX XXXX XXXX. Either way this was all taken care of back of and paid in full. They had agreed to remove this entire account from my credit report as I paid In full with the understanding that all this would go away. That was the way they explained to me. I am getting it with countless late fee 's that I shouldn't be hit with since this account is suppose to be removed from my report. I have called the company a few times and they have admitted it should be off my report. So I am unsure as to why it is still on my credit file. On XX/XX/2020 I called the # on file and they said I should report to each credit agency directly. I am hoping you guys can help me out under the fair credit act.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX ACCOUNT # 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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate complaint. There are multiple accounts under the same creditor reporting to my consumer report that I am disputing. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX* XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate, unverifiable accounts unresolved. The cfpb has recently filed a lawsuit against Experian, alleging systemic issues such as failed to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I reviewed my credit report and saw a report from AFNI stating that there was an XXXX account opened in XXXX of XXXX. There was no XXXX account opened in XXXX. I called AFNI ( XX/XX/XXXX ) and explained this to an agent there and she stated that was the day the collection was placed with their company and that it does not have to be the date it was charged off. I requested the proof to be sent to my address as she continued to talk over me. Re aging a debt is a violation of the FCRA and I want it removed from my credit report
Product: Credit reporting or other personal consumer reports

I have been trying to TEMPORARILY unfreeze my credit report for purposes of securing additional credit. I tried on line, and the website would not log me in -- said it couldn't recognize me. I tried multiple times, multiple ways, and kept getting website errors. I called today again and finally got a call back. The rep ( " XXXX '' ) told me I needed to install a different browser, which I did. He sent me a login link and a password. I entered all of that in the new browser, and it said there was an unexpected error. I told him that, and he said " I can't help that, it's fine on my side. '' He said he could unfreeze my credit report over the phone. He asked me a series of questions, in broken XXXX, that I had to ask him to repeat and spell a couple of times. I answered them the best I could, but some of them asked me questions about people I don't know -- the ex-wife of an ex-husband whom I've been divorced from for 30 years. A XXXX XXXX that I may or may not have had in the past, because I don't remember all of my XXXX XXXX XXXX from the last 50 years. Again, I had to keep asking him to repeat and/or spell, because I couldn't understand him. At the end, he said " authentication denied '' and hung up on me!!! So I can't get into their website, I can't unfreeze my credit report, I've already suffered a hard-pull from the other two agencies, and this one is holding me up. They also asked me to contact them and give them personal information on social media ( XXXX ) and then won't respond.
Product: Credit card

XX/XX/2017 Mailed check to Old Navy/Synchrony Bank to pay balance of account. Check posted XX/XX/2017. XX/XX/2017 Rec 'd past due notice for {$230.00}. Conducted chat line chat with no resolution. Chat rep claimed my check returned NSF. I called my bank. Check never processed through them, not posted to my account, and nothing on my account returned. In subsequent calls Old Navy/Synchrony communicated the check was actually returned " uncollected funds '' & it 's between me and my bank. They also said they could n't provide a copy of the front and back of check and would not return the check to me. My bank ca n't track without that information. A chat rep also asked me to send them my bank statement showing that I have the funds available in my account and they would look into it. I refused! On XX/XX/2017, requested # for a Manager. I was transferred. Again, Manager stated they ca n't return or send a copy of the check to me. Meanwhile, I am showing past due, delinquent and owing over {$7000.00} which I paid on XX/XX/2017 with Old Navy/Synchrony Bank still saying it 's my bank 's fault. Today I am sending a cashiers check for the original balance due by Priority Mail. I requested they remove all late fees/NSF fees/additional interest. Manager said they ca n't do that. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fact that this agency XXXX and the other two giants and all who gather information from them report inaccurately, inaccurate and untimely information is a fact! XXXX  had given me a free account but I am no longer able to access it even though they email me to do so -duh! I can not access their request to review my account This charade continues impacting me and millions of Americans every single day! XXXX  Membership ID # XXXX Member Sign In We blocked an attempt to access your account Because we value your security, we take this precaution after too many failed sign-in attempts. 

You'll need to reset your sign-in credentials to get back into your membership. If you've already successfully signed in, please disregard this email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card or prepaid card

I got a collection warning from Nordstrom card services today. Ive already had to file once that I am going through a financial hardship and needed assistance but they werent wanting to provide a way to message or email at the time. And now theyre asking me to call but weve already been through this issue before and I feel like this wasnt handled correctly.

They werent offering any payment plans before but now I guess they are? This would have been great months ago as an offer instead of my credit score tanking because I cant afford the payments right now which I let them know about. Theyre demanding a payment by the XXXX in the letter and I didnt get it until the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account not in collection since 2013, information is wrong and should be deleted. Account paid off. I have already submitted proof ( a receipt ) that the account was paid off however, it still shows in collection ststus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some addresses that I'm not associated with. Experian couldn't make a resolution on the matter.