23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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, credit repair services, or other personal consumer reports

on XXXX, i was visiting a friend at XXXX XXXX XXXX in the XXXX ,  n.y and i was assaulted by an individual that took my money and my wallet. i reported the incident to the XXXX XXXX  that gave me an incident slip # XXXX on XX/XX/XXXX ,2014.A few months later i checked my credit report and notice somebody use my ID to get 2 loans one was from XXXX XXXX XXXX and the other to XXXX XXXX.i have been tryng to get my credit report clean and succeded in getting it off XXXX AND XXXX BUT NOT EQUIFAX.even though i have provided everything they need to delete these accounts to no avail. i need them to verify these accounts by providing me an original with signature my on it as to verify that these accounts are mine. because i never signed any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CHILDSUPPORT  XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit card

Hello, The information listed which appears on my credit report, does not relate to any transaction that I have made. Thank you! 

CAP ONE XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. Everything has to be 100 % accurate on my credit report. Experian and XXXX are reporting this account which should've been removed from credit report. This account is over 7 years old which is past the statue of limitations, this debt is considered time-barred. This is illegal and is grounds for removal immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I am a consumer/natural person making this complaint on my behalf, there is no third party involved. I have reviewed my consumer reports and found several unauthorized inquiries. Under XXXX XXXX XXXX ( a ) ( XXXX ) There must be written instruction from the consumer to have any information furnished. I did not authorize these transactions nor give written consent to have these inquiries on my consumer report.
Product: Credit reporting or other personal consumer reports

I disputed some accounts on my credit report that I had no knowledge of. I also provided an FTC report as well as my dispute letter to have these accounts removed within 4 business days under section 605B. XXXXXXXX, XXXX, and Equifax however, listed the dispute as verified and updated without providing me proof of how the information was verified. All three bureaus have information that is inconsistent with these accounts. They have failed to properly investigate this matter to include overlooking my dispute documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 SXXXX XX/XX/2019 XXXX XXXX  XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted wells Fargo four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, wells Fargo began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.
Product: Checking or savings account

At or Around XXXX XXXX I Call USAA and informed them that I had a Cashiers 's Check that i had drawn out in XX/XX/XXXX, Written to myself that I never deposited. and when I was ready to deposit the check it was out of date. the check stated void after 180days. So i did not deposit the check and I contacted the back. I was told at this time that they see where the check came from and it had never been deposited. They stated to me that they will send me out a new check ASAP. and all i had to do was fill out a document called " Declaration of loss and indemnification agreement. this document was signed and faxed on XX/XX/XXXX, XXXX on or about XXXX the XXXX. I call to check on the progress. At that time I was told that they only received the top sheet of my fax. which was a lie I only faxed one page with my signature. so at that time, I mailed the document to them with the original check on XX/XX/XXXX. On or about the XXXX I called again because I had a missed call from the bank. At that time I called they stated they need to verify my address. even noted I have been a customer for over 7 yrs and 5 yrs with no new address. I verified my address and I was told they did not know hen that other department will send out my check and that I would not talk to anyone from that department. at this time IT has been near to 15 days and I have not revised my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX  XXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.
Product: Checking or savings account

Merril XXXX breach account agreement and violation of the regulation E, that says an account must be in XXXX balance for it to be closed and if a bank decides to close an account they must mail a check to the mailing address on file. This is not the case after Merrill closed my account since XXXX I deposited a check of {$3800.00} on XX/XX/2023 into my XXXX, it was passed the cut of time so XX/XX/2023 was regarded as the day of deposit, on XX/XX/2023 this check was paid by the other financial institution, along the line Merrill closed my account i have the account closure case ID, so i called for my money and i was told it was sent out on XX/XX/2023 i waited and the check never arrived in the mail, i went online and realize people have several complaints about XXXX holding people 's fund after closing the account on XX/XX/2023 when i called Merrill customer service it was on speaker and i was recording the conversation with my other phone so i could have evidence of merrill lying and trying to steal my money, i tried to attach the conversation to this complaint but the website will not allow file above 10mb so i have to attach just little of the recordings where this representative was telling me it was not sent on XX/XX/2023 but it was sent out on XX/XX/2023, i have waited and till now there is no check in the mail. 
I WILL LIKE TO SAY THAT I DON'T HAVE PLANS TO REINSTATE MY XXXX ACCOUNT WITH MERRILL, AND MERRILL DOES NOT HAVE RIGHT TO MY MONEY AFTER CLOSING MY ACCOUNT. 
I DON'T WANT TO HAVE A BUSINESS WITH MERRILL, I WANT MY MONEY DEPOSITED INTO MY ACCOUNT Bank routing number : XXXX Direct deposit account number : XXXX Bank name : XXXX XXXX XXXX Deposit Amount : {$3800.00} Account type : Checking Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear equifax, I have sent multiple letters stating that these accounts were due to fraud and needed to be removed. All of my letters were received and disputes were not processed. These accounts were opened fraudelently and need to be removed asap.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1975 Social Security Number : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, The account was paid in full for {$770.00} to the collection agency National Credit XXXX ( NCA ). However, NCA continues to report the status of the account as collection/chargeoff. I contacted NCA to dispute my account was not a collection/chargeoff, and I paid the amount in full and requested it is removed from collection status as a chargeoff. NCA informed me it was their policy not to remove the account from collections/chargeoff status even when paid in full. I disputed the credit report with all three credit reporting agencies, XXXX, XXXX, and XXXX, to no avail. All they did was send a request to NCA to update the report regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit on XXXX XXXX. They said that I had a hard credit pulled on XX/XX/XXXX with XXXX XXXX. I havent authorized or opened a new line of credit with XXXX XXXX. Ive been a long standing customer of XXXX XXXX since XXXX. I spoke with the supervisor of XXXX XXXX, XXXX, to see if they would correct it. She said every time you use the XXXX XXXX credit they pull a credit report and its outlined in their terms and conditions. I havent used the line of credit for 6 months or a year with XXXX. I believe its okay that they do pull a credit check, I just dont agree that it should be a hard credit inquiry but rather a soft credit inquiry because Im not a new customer applying for a line of credit but rather an existing customer since XXXX. Id like this removed from my credit report, but XXXX, the supervisor wasnt willing to do so. She told me to dispute it with the credit bureaus. I will do that but I wanted to let you know too to get this resolved. I dont want this on my credit report for two years. I think this is unlawful and shameful to consumers. Thank you!
Product: Money transfer, virtual currency, or money service

I received a text that there was a pending XXXX transfer out of my account for {$5000.00}. It asked if I authorized the payment. I responded no via text and received a call that I verified on the internet to be the same as the customer service line for Chase bank. The person knew personal information including bank details and asked me to verify info. They then informed me there was a pending XXXX to XXXX XXXX scheduled for XXXX XXXX EST and they needed to stop it if I did not authorize. They informed me I needed to XXXX the {$5000.00} to myself to block the transaction. There was a profile saved with my picture and phone number in my contacts in XXXX in the Chase Banking app that at the time I did not realize I had not established. They assisted with the transaction and the money left my chase account. I was told it would return after XXXXXXXX XXXX EST. It did not return and I called Chase fraud immediately on XXXX. They informed me they had opened a case and sent to XXXX to investigate but they were not liable and there was little to no chance for recovery. I have called on XXXX and XXXX and received the same message. I have asked to escalate and been told they can not do that and I must wait for a resolution in XXXX days. Chase has claimed they are not responsible for the loss despite the fact that they noted that it went to another Chase account that they would freeze and it was reported as fraud. I have contacted an attorney to initiate a suit against Chase to recover the funds.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I worked with the FTC to complete an FTC fraud affidavant regarding fraudulent accounts on my credit report. 

Upon completing the report, I uploaded my documents to the Experian upload portal. I followed up on XX/XX/XXXX to confirm my information was received. After a number of transfers, I was connected with a member of the fraud team ( her name was XXXX ) who after completing my verification informed me that my documents were not legible and should we be unable to block my items because the documents were not clear. She stated that she could begin a dispute, but I immediately told her " no '' because based on my conversation with the FTC if the documents were clear, legible and covered all required areas these fraudulent items could be removed from the file. I told her that I would resubmit clearer documents and I would follow-up in a week. 
On XX/XX/XXXX I re-submitted my documents and followed up on XXXX XXXX. On XX/XX/XXXX, I spoke with XXXX ( in the fraud department ) who advised me that XXXX never followed my request and initiated a dispute of this accounts. I advised XXXX, that XXXX failed to follow my request as a consumer as I wanted the opportunity to submit updated information to ensure these items are blocked from the file. XXXX apologized and said there was nothing she could do and directed me to a supervisor ( who was unavailable ). 

As a consumer, my legal Fair Trade rights were violated by the associate initiating a dispute without my consent. These fraudulent items remain on my file and now I've lost the ability to have them removed. This failure on the part of Experian places my career at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nca opened TWO collections account on my credit reports in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Nca has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Nca. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Product: Debt collection

In XX/XX/XXXX I was contacted by a company I had no knowledge of stating I was late on my auto payment. Apparently my positive account had been sold without my knowledge to a knew creditor. I advised the company I had just made a payment on my vehicle to the place my contract was with. The company it was originally with agreed that my contract would be paid Bi-weekly as that coordinated with my payment schedule and can be seen with the history of receipts as well as my on time payments recorded in my credit report. This company has contacted family members without my authorization, changed my contract without my consent or agreement and calls me constantly harassing and falsifying information. Today XX/XX/XXXX they demanded payment and threatened a repossession which they do almost every time I call. They never advised or had me sign anything agreeing to go back to a weekly payment schedule so now my account is severely behind and they are trying to put me in a financial bind not including embarrassment and harassment, falsifying information on my credit report and their aggressive conversations. Social is : XXXX | Name : XXXX XXXX, I sent a BBB complaint to them because I never got an updated contract from them and instead of responding through the BBB portal they contacted me directly and per the conversation admitted to alternating the contract without consent.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXY 10/01/2023XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed numerous complaints on XXXX/XXXX/2017 regarding incorrect balances on my accounts. In your response you claim that balances were to updated in 7-10 business days. It is now past that time frame and now you are in violation of the FCRA. The accounts are highlighted in a copy of my Equifax credit report dated XXXX/XXXX/2017. The accounts are XXXX XXXX XXXX still showing an incorrect balance, XXXX XXXX -XXXX still showing an incorrect balance and XXXX XXXX XXXX XXXX still showing an incorrect balance.
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XXXX XXXX XXXX shows " Pays as Agreed '', yet it is showing up on as an adverse account.
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Delete the accounts immediately or I will file a lawsuit against your company. My attorney is in the process of filing the paperwork.
Product: Money transfer, virtual currency, or money service

This is in Continuation of Open Complaint # XXXX against PayPal Meanwhile - while they are taking their time Correcting the Matter, they are sending Threating emails every day so I will add Money to my Account to Correct their Mistakes - otherwise, within the 30-day timeline, they will Ruin my Credit and Perfect Standing with All 3 Credit Bureaus This message is for XXXX XXXX. If you are not the person named, please disregard and delete this message. 



XXXX XXXX Reminder of Action Needed on your account with PayPal Your account with PayPal associated with email address XXXX, has had a negative balance of {$690.00} USD for 14 days. 

If you do not pay the negative balance amount, you may not be able to fully use your PayPal account, and we may continue with efforts to collect the amount. 

Please pay the negative balance amount as soon as possible by following the below steps : Log in to PayPal.com. 
Click the Add Money link to resolve the negative amount. 
You may Add Money to your account with PayPal from : Your bank account Your debit card ( except XXXX XXXX XXXX Your credit card ( except XXXX XXXX or XXXX ) If you have questions or you can not pay the negative balance amount, please contact us at XXXX. We are available Monday through Friday, XXXX XXXX XXXX XXXX. EST and Saturday, XXXX XXXX. XXXX XXXX. EST. 

If you already resolved the negative balance amount, please disregard this message. 

Thank you, PayPal This is an attempt to collect a debt, and any information obtained will be used for that purpose.
Product: Debt collection

RAGAN & RAGAN is attempting to falsely collect an inflated amount from a XXXX Credit Card which was {$550.00} and attempting to collect over {$1000.00} and have threatened me and my family with legal actions. I also was not informed properly regarding a default judgement which they coerced the XXXX County Magistrate Court to issue when I was not informed there was a hearing date. This is also a form discrimination and retailiation because I filed a prior CFPB complaint regarding their discriminatory business practices. Now they are attempting to collect on monies not owed to them after purchasing the XXXX account for Pennies on the dollar. They are threatening me as a U.S. Citizen and U.S. Veteran and am requesting that they cease in their maneveurs against me. The Default Judgement should not have been issued and I am disputing the Default Judgement to have the courts reverse their illegal actions. They are also taking advantage of the fact that I am currently unemployed and seeking other illegal means to get monies not owed to them. They discriminate against XXXX XXXX XXXX  and can not stand to see a XXXX XXXX XXXX  fare well in the United States. Also, when I was attempting to go to court to defend myself last year, I requested a Continuance on the case since I exchanged emails requesting this to be granted due to my daughter who was hospitalized in XXXX  for over 34 Days due to a debilitating medical condition which affected me and my family since 2016 and they are now attempting to further coerce and take advantage of the system illegally even during the Coronavirus Crisis because they care nothing about others but themselves and are driven by greed! Absolute Greed for money. I have a XXXX Daughter and XXXX Husband who is also a Veteran whom I caring for as well and this is a malicious act by Ragan & Ragan and Double-Jeapordy as well. 

Also, a lawyer from XXXX attempted to contact them and they are also friends with a lawyer which previously worked my case and are now coming after me through retaliatory means as well which is illegal!