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

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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

You know with the inappropriate language XXXX that the majority of the people I do business with really over-react to what the federal government put into writing, it really is no wonder why I do not get more DEATH THREATS THAN I already receive : I did not agree to the account maintenance fee of {$10.00} nor was there any mention of when an annual maintenance fee of {$39.00}, other than your exorbitant {$120.00} to open the account in which I agreed to in order to get the credit from you in the first place Normally I would contact you first however with a Federally protected non-dangerous with COURT ORDERS to back-up these non-dangerous SOCIAL SECURITY ORGANIC MENTAL HEALTH DISORDERS including XXXX and XXXX Syndrome, among hundreds of other impairment coded non-dangerous XXXX. 


However after dealing with several of you normal people that can not or will not accept that the AMERICANS WITH DISABILITIES ACT ( ADA ) is a Federal Law, and purposely go out of their way to attack me, by causing physical harm to myself by your and others like you actions, it is with a not SO HEAVY HEART, more precautionary on my part, that I am making this CFPB report, prior to sending this to FORTIVA. 

See ( HA, HA, HA ), as I still have all the medical documentation to state that I am an XXXX XXXX XXXX, LEGALLY XXXX, IN A WHEELCHAIR AFTER XXXX DUE TO THE XXXX ( NO XXXXXXXX XXXX OR XXXX ), the non-dangerous XXXX XXXX XXXX language XXXX, being OVER XXXX XXXX XXXX, HAVING KLINEFELTERS SYNDROME which automatically puts me in that DOJ XXXX XXXX XXXX IDENTITY PROBLEMS, WHICH MAKE MYSELF PART OF 5 distinct groups, which allows myself to contact the DOJ with this case number from the CFPB. 

Then after those XXXX onto the XXXX XXXX BANKING XXXX IN TEXAS, which oversees the RICO ACT, what you did not know or care that in XXXX that PRESIDENT JIMMY CARTER, RATIFIED THE WIRE TRANSFER ACT OF XXXX, which gave the DOJ & the FBI the power to go after criminal enterprises, like the XXXX, OR THE XXXX, or maybe even your firm. Again, what, you did not know that even with a VISA/MASTERCARD LOGO on them, that ALL BANK CARDS fall under the WIRE TRANSFER ACT OF XXXX, and since I made all of my payments with my bank, XXXX XXXXXXXX XXXX THE WIRE TRANSFER ACT OF XXXX, the Banking commission tells you when to JUMP. 

Then onto to the FTC for consumer FRAUD. Overkill you SAY, well as I stated earlier, I have had the DISTINCT PLEASURE OF DEALING WITH so many of YOU normal people, NOT, that make up the rules as you go along. 

WHAT I WANT IS NO CUTE NEW CHARGES going forward, plus the removal of the following fees : ACCOUNT MAINTENANCE FEE XX/XX/XXXX {$10.00} ANNUAL FEE XX/XX/XXXX {$39.00} Since there was no mention of it anywhere prior to you committing the alleged fraud against myself, and the HATE CRIMES AGAINST MYSELF. 

No potentiality, on that point, as the DOJ does NOT come to me and say XXXX do we have your permission to indict anyone or company.
Product: Debt collection

There is a credit card from a company called  Swiss Colony on my  credit report, an account fro m   XXXX /2010.  This a ccount was not opened by myself, I had never heard of this company before this. I have repeated that over and over to them when the phone calls and collection letters started coming shortly after that date. I have disputed it with  XXXX  and   XXXX   all to no avail. I did receive a  XXXX  page letter fr om Swiss Colony asking for all na mes of who could of possibly opened the account in my name and then I was to have it notarized and mailed back. It could have been anyone. Where would I even begin? an ex boyfriend?  XXXX  of my  XXXX    XXXX   XXXX    sisters? The nasty neighbor  XXXX  doors down who doesnt like  XXXX  or dogs? I have  XXXX  dogs. They wont tell me if they have my signature for whatever was allegedly sent. I am trying desperately to clean up my credit so that I can purchase the home I have rented for almost 11 years and is now for sale due to land lords passing. I want this ridiculous nightmare over by having this removed from all  XXXX  credit reporting agencies. I will state again, this is not my account!
Product: Money transfers

hello, i know that there has been a misunderstanding, about my money.at first I did n't think this would happen to me -- and I have become a victim until this very day.i have not received anything back and the proposal that was made too me to get wire transfers-delivered ; is all a hoax.not a matter of business.i have put in a complaint before, but nothing was done or said about it.the company or party grant solutions, took money from me and never followed through with reimbursing me any payment's.the amount is very plain too see that somrthing is wrong with them. ( XXXX ). 
''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX CAPITAL ONE, XXXX, and XXXX   with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

On XX/XX/2019 a balance transfer charge of {$2000.00} was charged to our credit card. This charge was not processed correctly and didn't go through. We have contacted the company numerous times to resolve this issue. We do have a legitimate charge on this account which we are currently paying. The company continues to pass the buck to other departments and no one will resolve this issue. Please help us with this problem. Thank you.
Product: Debt collection

I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company is stating I owe charges that I am unaware of. I have noticed that this company is also reporting inaccurate amounts to credit bureaus.
Product: Debt collection

Company appeared on my credit XX/XX/2019 without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of a matching OLD address on file THAT HAS SINCE BEEN REMOVED DUE TO IDENTITY THEFT and birthday. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX XXXX University and I have no knowledge of this account. In fact I have had over XXXX in student loan debt dismissed via the XXXX XXXX XXXX due to identity theft.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting

XXXX offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from XXXX notifiying me of my current score which was obtained from Equifax. 
According to XXXX as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against Equifax in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from Equifax and it stated my current score was XXXX. I tried to reach out to XXXX and Equifax to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date XXXX has refused to look into the matter and provide an response or corrective action.
Product: Credit reporting or other personal consumer reports

Please help me remove these inaccurate inquiries and incorrect personal information from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened my credit report and noticed unauthorized inquiries on my report. These were unauthorized and I have no knowledge of where they came from. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX National Credit Card Cos . 
Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Checking or savings account

I filed a dispute with Chime regarding multiple unauthorized transactions on my account XX/XX/year> in the amount of {$610.00}. 
Less than 24 hours later Chime reached out to me stating the investigation into my dispute claim is complete and they found that no error occurred and deemed the investigation closed. Upon hearing this, I filed a rebuttal and asked that they re-investigate my dispute claim and I informed them I would be submitting new information in the following days, however before I was given ample time to submit my new information they reached out to me stating they finished their re-investigation and once again determined no error occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously notified Experian that I am a victim of identity theft
Product: Mortgage

PNC received final payment for loan number XXXX On XX/XX/2020. PNC stated it does not know if lien release has been sent and that it has 25 days to release its Item. The days have expired.
Product: Debt collection

On XX/XX/2021, I sent a certified letter requesting for Velocity Investments LLC to provide me with a certified copy of an original contract with my signature, specifically naming their company as an entity entitled to enforce a claim against me. The letter was a 30 day request. I asked for proof because I have never signed a contract with Velocity Investments LLC for them to file a suit with the XXXX County Magistrate Court against me. 

A representative of Velocity Investments LLC accepted and signed for the letter that I sent on XX/XX/2021. Today makes 34 days and Velocity Investments LLC has failed to provide proof but the suit is still opened with the courts.
Product: Debt collection

the debt was settled but they are saying the wont delete it from my credit.
Product: Debt collection

on XX/XX/scrub>XXXX XXXX XXXX XXXX I spoke wit Collection agency " The Best Service Company '' regarding settling a balance for XXXX XXXX in the amount of XXXX instead of XXXX to settle for less than the amount owed to clear out acct. Phone rep agreed and mentioned call is being recorded. Transaction processed successfully and after they mentioned due to privacy terms and conditions they can only provide confirmation via mail. However, over the weekend and even today, the following monday, i see online instead of it closing. There's still a remaining balance of XXXX. 

The rep had lied. I demand the collectionagency to reflect the appropriate settled notification and proper notation of it being settled in full as per recorded agreement
Product: Credit reporting or other personal consumer reports

Im submitting a 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} US DEPT ED XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a letter from Citizens One saying that they were unable to process scheduled payments for a personal loan. When I called the number on the letter XXXX to tell them I do n't have any loans with them they said it was a loan I had made through apple and could n't give me any information about the account or how much was owed. I have not taken out any loans to purchase an apple project and not sure if this is legit. The letter says the loan will close and I will have long-term implications on my credit. Have I been scammed or is someone taking out a fraudulent loan under my name? Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported I owe them money in the amount of $ XXXXI do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I had a checking account with PNC Bank. Due to PNC 's neglect in providing a minimum level of acceptable service I closed my account in XX/XX/2022. I requested my personal information be removed from their records and not be used for marketing or solicitation. I continued to receive unwanted credit card offers from PNC. I contacted them again to request no more solicitations and they referred me to a third party to block future offers. I completed the required information and was advised I would no longer receive unsolicited offers. I still receive these offers from PNC Bank.
Product: Debt collection

I have not agreed, nor aware, not informed or have evidence of this debt with XXXX XXXX XXXX and do not have a contract with I.C. SYSTEM, INC. They did not provide me with the original application or proof of this account like I have asked.
Product: Credit reporting or other personal consumer reports

I am writing to address an ongoing issue regarding unauthorized inquiries appearing on my credit report. Despite my previous attempts to resolve this matter, the unauthorized inquiries continue to be reported, and it is imperative that they be promptly investigated and removed to ensure the accuracy and integrity of my credit profile. 

Upon reviewing my most recent credit report dated XX/XX/2024, I have noticed that unauthorized inquiries are still being reported. These inquiries were not initiated or authorized by me, and their presence on my credit report is both concerning and damaging to my creditworthiness. 

Inquiry Name : XXXX Inquiry Date : XX/XX/2024 Inquiry Name : XXXX  Inquiry Date : XX/XX/2024 Inquiry Name : XXXX Inquiry Date : XX/XX/2024 Inquiry Name : XXXX Inquiry Date : XX/XX/2024 Inquiry Name : XXXX  Inquiry Date : XX/XX/2024 Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/2024 Inquiry Name : XXXX Inquiry Date : XX/XX/2024 I want to emphasize that these unauthorized inquiries do not reflect my credit behavior or financial activities. Their presence on my credit report may lead to misconceptions about my creditworthiness and could potentially impact my ability to obtain credit or other financial opportunities.
Product: Credit card

Dear CFPB Representative, I am a victim of identity theft, and I recently discovered a fraudulent account on my credit report that I did not authorize, open, or use. I am formally requesting an immediate investigation and removal of this fraudulent account from my credit file. 
Fraudulent Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Open Date : XX/XX/year> Balance : {$0.00} Monthly Payment : {$0.00} I never applied for, opened, or used this account. This fraudulent account is damaging my credit and must be removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

To support my claim, I have attached the following official documents : FTC Identity Theft Report Signed Identity Theft Affidavit I have also contacted the credit bureaus and the financial institution associated with this account to report the fraud. I kindly request that the CFPB take immediate action to investigate this matter and ensure the removal of this fraudulent account from my credit report. 
Please provide me with updates regarding the status of this dispute and any further steps required from my side.
Product: Credit reporting or other personal consumer reports

Repeatedly not able to pull my reports on annual credit report.com Ive gone through ordering it via phone system to only have it never show up either.
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 USC 1681. 


XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A 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 reporting agency
Product: Debt collection

XX/XX/19 received robocall at my place of employment at approx. XXXX from XXXX at Pendleton Capital Management . Receptionist only recorded the company name and number.