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

In accordance with the Fair Credit Reporting Act. The List of ITEMS below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told XXXX, XXXX, and Equifax to reinvestigate these ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt 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 ITEMS 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, XXXX, and XXXX XXXX XXXXXXXX is in Violation of Family Educational Rights and Privacy Act ( FERPA ) .
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$480.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$2200.00} ), XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$720.00} ), HARD INQUIRY from XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

.i was a victim of identity fraud, i have sent in police report before and have contact equifax by mail and phone. i also never gave them written consent toreport any credits of mine. they are in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Companies listed below did not obtain my written consent to publish any inquiry details on my credit report. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are NOT removing items when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA, if you choose to not remove the following items listed below which are reporting inaccurately due to misrepresentation in my credit report, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are inaccurate & were opened without my consent or knowledge : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$XXXX} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX BANK XXXX XXXX Balance Owed : {$XXXX} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX CARD XXXX Balance Owed : {$XXXX}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates customer financial protection act ( CFPA ). Specifically cash app failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with errors resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulations E. Theses actions have caused significant inconvenience and financial lost, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report file and noticed that there were several unauthorized credit inquiries showing in my credit file. I had a fraud alert placed on my credit file that indicates anyone who is trying to run my credit needs to call me and verify that fraud activity isnt occurring. Ive reached out to the credit bureaus on several occasions trying to explain that my rights as a consumer were violated because my credit was pulled without my permission and nothing has been done to correct the issue. Many of the inquires is dating back from XX/XX/2016. Ive been very professional at trying to get the unauthorized inquires removed from my credit file but now Im frustrated because Im being treated as if Im the one whom authorized the inquires.
Product: Credit card

Timely payments on this account have consistently been my practice, preventing any occurrences of overdue payments. I'm uncertain about the rationale behind the late payment remarks reported on my accounts. As per 15 USC 1666b - Billing Error, corrections are necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX.Is not correcting the errors when trying to dispute account that don't belong.The accounts are not mines, and I trying to get them remove offbmy credit file.
Product: Student loan

I was told I had a {$0.00} dollar amount as per the fact that I was both in school and not making enough for the {$350.00} default plan. I received NO NOTICE when I suddenly told I owed $ XXXX dollars a month. There is no website access from Mohela. They won't let me email, call, or login to my account. So I can I verify these payments, amounts, or even if it's my account they're charging?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX*Balance : {$400.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX/I do not remember given authorized to these company to obtain a copy of my credit report. This inquiry need to be removed immediately : I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry./ 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 or prepaid card

There are 2 phishing charges on my account and capital one actually alerted me about these charges and asked me if 1 of the charges were legitimate at XXXX XXXX. I obviously was not making a charge at XXXX XXXX  while sleeping, so it was not. At that time I looked back at charges and noticed another {$5.00} charge from the same vendor and realized this was from XXXX XXXX XXXX, and called them in the morning & they told me it was a common phishing scheme. I called capital one as instructed to get a new card and report these charges as fraud and was told that phishing isnt fraud. Its a scam. And they do not cover scams and Im responsible for the charges. Umm what? Since when are scams not fraud? I then said that I ordered a product and never received it and they told me that they would try to reach out to the company listed on the charges but if they couldnt reach them, Id be responsible for the charges. I said I could prove I never got the product, and they said it didnt matter because I fell for a scam. Ive never seen such a thing from a bank or credit card company. Theyve always covered these things!! And capital one states they Do cover such things with their Savor One Card.
Product: Student loan

First Data keeps saying they will return loan to original person for collections cause they no longer have it
Product: Debt collection

THIS IS MY SECOND TIME, MAKING THIS COMPLAINT THAT THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR. THE COMPANY STATED THAT THEY ARE NOT THE COMPANY TO ADDRESS THIS ISSUE, WHICH IS NOT WHAT THE LETTER STATES
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT 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. XXXX XXXX XXXX account XXXX Open XXXX closed XXXX Balance XXXX XXXX XXXX XXXX Original creditor Balance Balance updated XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and car collection bureau of a 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 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: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( XXXX DIST CT XXXX ) Because the account name being reported by your company and XXXX are different ( XXXX XXXX CT GA XXXX XXXX ) and XXXX is reporting a different name ( XXXX BANKRUPTCY COURT- XXXX ), this means the account has not been properly verified. Please delete this account immediately. 
Please remove ANY other information you are currently reporting as they are NOT accurate. Pursuant to Sec 602 ( a ) Accuracy and fairness of credit reporting 100 % accurate. Sec 602 ( b ) It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Violations of this subchapter Sec 616 ( a ) ( 1 ) ( A ) Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} for each violation. Sec 616 ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Student loan

On XX/XX/XXXX I received an email stating that my loans were in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX with no payment due and that my payments would resume in XXXX XXXXThe website showed that payments were due so I made payments from XXXX to XXXX. The website did show a XXXX amount due for XXXX but without an explanation. I made the payment in case the XXXX was a mistake and assumed that if it werent a payment wouldnt be required in XXXX. I later learned that sincw I paid more than 25 days before the billing statement none of these payments counts as paying towards my next due dates. So I made 3 payments when I didnt need to. Im on maternity leave currently so making extra payments is not something I would have chosen to do. Its ridiculous that I was only informed of the forbearance once it ended.
Product: Debt collection

This Debt Was Discharged Off My Credit Report And Closed By XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I submitted a dispute to Experian challenging a hard inquiry made to XXXX XXXX by XX/XX/. With my XX/XX/XXXX  letter, Experian was provided a copy of my valid Texas driver license and social security card. These were provided to verify my identity. 

My XX/XX/XXXX  dispute explained to Experian that " I [ had ] contacted XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. The lady that I spoke with stated that she was unable to verify why the credit pull was conducted. '' Experian refuses to investigate the disputed inquiry. 

A copy of my communications to Experian are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX {$400.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Fax # XXXX ATTN : Debit Card XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Transaction date XX/XX/2020 for {$220.00} I want to dispute this transaction because after the seller sent me a bill for {$220.00} via XXXX and I paid it. The seller stated that XXXX isnt releasing the money until I receive the product and he wanted me to go on the website and lie and state that I received the merchandise. I told him no. I called XXXX on a 3-way with the seller after they verified him he requested that they send me the money back they stated that they couldnt Ill have to say that I received the merchandise, I told them the same thing I told the seller No. The seller hung up and I called Citibank on 3-way with XXXX and the rep from XXXX told the dispute rep from Citibank what happened. At that time rep from Citibank told me do not say I received the merchandise and theyll place a dispute on my behalf. I was told I would be given a provisional credit. Its now day 9 I havent received a provisional credit nor the merchandise. I need my money back ASAP. Every time I have to dispute with Citibank its like pulling teeth. Clearly they know Im not lying as they spoke to XXXX on a recorded line. Please listen to the call.
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 blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 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 never received nor applied for this loan. I contacted them and the credit score people to no avail. I need this corrected and removed from my credit report.
Product: Credit reporting

They can not disclose the results received. Even though these company 's were unable to submit any verifiable proof. No one can show a signature card or any other verifying information on the accounts. Just a generic response. That they Verified. Which is not true. These companies do not have any information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. 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
Product: Credit reporting or other personal consumer reports

Sequium XX/XX/2024 amount {$1900.00} conflict not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2022
Product: Credit reporting

Equifax placed an adverse account on my credit report from a company called, " XXXX '' on XXXX XXXX, 2008. This account should have never become adverse because I turned in a forbearance form that should have prevent this loan from ever defaulting. Since this account is scheduled to be removed soon anyway, I would like it deleted from my credit report. It would save me and XXXX XXXX a great deal of trouble. If this account is not removed asap I will have to seek legal counsel to get it deleted.