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

15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have an unauthorized and unjustified hard inquiry on my Experian credit report from XXXX XXXX XXXX. Experian has told me I can contact XXXX XXXX XXXX to request it be removed but XXXX XXXX XXXX is no longer in business so I am out of options.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX XXXX XXXX. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX   XXXX ), apologized for this beahvior and the best I know 4 inquiries were removed, but Wells Fargo, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from XXXX and any other credit companies they may appear with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORT FROM TRANSUNION AND I NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE. I CONTACTED TRANSUNION VIA TELEPHONE AND THE COMPANIES LISTED TO INFORM THEM THAT I DID NOT AUTHORIZE THESE INQUIRIES AND ACCOUNTS AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. THEY DID NOT TRY TO HELP ME. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE INQUIRIES ARE A RESULT OF IDENTITY THEFT. 

I HAVE ALSO SENT A LETTER TO TRANSUNION ON XX/XX/XXXX REGARDING THE UNAUTHORIZED INQUIRIES. I HAVE NOT RECEIVED A RESPONSE YET. I HAVE ALSO MADE MULTIPLE CALLS TO THEM BUT THEY CLAIM THEY HAVE NOT RECEIVED ANY OF MY LETTERS. 


HERE ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2020 Fortiva Retail Credit agreed by written and oral communication to settle account ending in XXXX for an amount of {$3300.00} and to further report the account to the credit bureaus as paid settlement with a XXXX balance. As agreed, 10 Payments of XXXX were made to Fortiva ( as shown in payment ledger courtesy of XXXX, debt consolidation company authorized to settle this account on my behalf ) The original debt for this account ending in XXXX was {$5800.00}. The settlement agreement reduced the debt owed to {$3.00}. As agreed, All 10 payments were made on time and were accepted by Fortiva. All proof is attached of agreement and payments made. After 28 calls and written communication to Fortiva, Fortiva has not resolved this debt for account ending in XXXX as they agreed to. They are continuously and aggressively trying to collect a debt which I no longer owe per our agreement. In addition, they have not corrected my credit report as promised in their written communication. Please help me, no one from Fortiva has helped me. They They keep giving me the run around transferring me from agent to agent with no resolution. Please help me. This has been a nightmare. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital one XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have NEVER been XXXX XXXX XXXX, XXXX XXXX and have never lived at XXXX, ( NEVER and apartment number, this is a house ) orXXXX XXXX ( House no Apt number ) orXXXX XXXX XXXX ( This belonged to my EX husband ) orXXXX XXXX ( This belonged to my EX husband ) I never worked for XXXX or XXXX ( My EX worked there )
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : 11 XXXX ) XXXX Balance : {$220.00} XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$600.00}
Product: Checking or savings account

Discover bank took our initial deposit, upon trying to make a withdrawal their security team locked our account. 

They provide a phone number to call, but no one answers. We have made dozens of calls, waiting up to 3 hours on hold. No one ever answers. 

At the 3 hour and 5 minute mark the call is disconnected. There is no other way to access your account, unlock it, or have access to the funds. 

This has been going on for weeks.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is preventing me from doing my on-line complaints due to a glitch they refuse to fix. this is hindering me from moving forward with purchasing a home or opening other credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

They kept hanging up on me then finally got an agent and they said they cant help i explained that these are unauthorized charges As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.If you are unable to verify the with the original contract, please Remove
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and Ive been disputing accounts for years now that they are suppose to be off now and results are in my favor XXXX wont update a XXXX thing and wont update my credit report Im sick and tired of it Im mentally having a breakdown and my XXXX  and XXXX is getting worst because of this.
Product: Debt collection

XXXX XXXX sold a debt, the collection agency, listed as Recovery Partners LLC with mailing address in XXXX AZ, failed to verify. It stems from an incident that I was not part of. I do not know how my name and details were attached to be event, and so then to the debt. 
I live XXXX miles away, have never driven the type of vehicle involved, and have not been in that area for close to 40 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a vehicle loan through XXXX. We paid the loan in full on XX/XX/2021. It took XXXX months to report hers correctly but they still havent fixed mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Unauthorized inquiries on my my credit profile. Received a letter stating theyre unable to remove inquiries. I have not authorized any company to report these items to my credit profile.
Product: Credit reporting or other personal consumer reports

TransUnion has blocked me from accessing my credit report online and even after multiple request to be unblocked they refuse to. I haven't access to my credit report for over 5 years now. This is a blatant violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to this company XXXX many times as well as I sent them a letter which is attached, letting them know that they are reporting a late payment on my consumer report when in fact is a violation of the law. 

Pursua

nt 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Pursuant 15 USC 1681 ( a ) ( 2 ) ( B ) : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information as well as a right to privacy.
Please delete from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 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.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681S-2 ( a ) ( XXXX ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


Account : XXXX XXXXXXXX XXXX
Product: Debt collection

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted a bank wire executed by XXXX XXXX XXXX XXXX. The Beneficiary Bank  is the XXXX XXXX XXXX. The beneficiary is Coinbase , Inc . The amount of the wire is XXXX dollars. On XX/XX/XXXX I received an email from Coinbase that my bank wire to Coinbase was rejected due to a mismatch in names. The email also specified that I was to receive a reverse bank wire within 7 business days, yet I have n't received the wire back to my account and it has been over a month now. It 's very disappointing that XX/XX/XXXX /Coinbase would take such a long time processing the reverse bank wire especially when the money is tide up and unable to be utilize. My Coinbase/XX/XX/XXXX account is XXXX. The case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXXXXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX  XXXX I told them I have no contract with them XXXX XXXX XXXX  XXXX I told them I don't have a contract with them
Product: Debt collection

My interaction includes multiple violations, but I was only able to choose one. A representative from P & L Acquisitions contacted a relative with whom I have never lived, never used as a contact address, and posed as an employee of the local courthouse. He claimed that he was looking for me, because a summons was going to be delivered to my relative 's address the following day. He stated that she needed to get a message to me informing me of this information and that I needed to contact a toll-free number that he provided to her in order to resolve the matter. My relative was able to reach me. She told me that the caller disclosed details of the alleged debt, as well as harassed her with threatening language, and he told her that he was a courthouse employee and that he was at the courthouse at that time. The number on her caller ID showed the XXXX County Courthouse number, but the number did not originate from the courthouse. I called the toll-free number that was given to her, and a man answered with a greeting of " Corporate office. '' I asked for the name and address of the company, which he provided as P & L Acquisitions. I also contacted the courthouse, as well as the Sheriff 's Department, and they denied that anyone from there contacted or was looking for me. A representative from XXXX XXXX XXXX XXXX fraudulently posed as a courthouse employee in order to threaten me. The next day, I received a letter from the company, signed by XXXX XXXX " Legal Administrator. '' The letter untruthfully stated that I had ignored previous attempts to resolve this matter, which is absolutely not true, because I have never received any communication from them, and there is no information in the letter to identify what this matter is about. The letter is designed to look like an official legal document. It threatens to obtain a judgment against me without even suggesting that I have a right to dispute their claim. There is nothing about an original creditor or other identifying information. There is no disclosure stating that I have the right to dispute. There is no proof that they are licensed to practice in my state. The letter also states that they may file a lawsuit against me which would result in a judgment entered against me. That 's not how it works. This letter is yet another example of illegal collection practices that this company has willfully chosen to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment and they used a Credit background agency Ive never heard of, RESOLVE and while inspecting the information I see several issues that are out dated, addresses I never lived at, account that are reported erroneous, I had a Idenity Thief case several Years ago. and I sometimes see issues that the people used to gain some kind of use. 1 ) there are many different name variations, I did not spell my name any different ways other than I use it. Because of this I was denied a Place to live. I have no Rental or Utility Companies default, I am widowed and worked to rebuild my self and I see companies like this looking to create bad reports. My issues are the many errors reported 2 ) XXXX XXXX ( XXXX ) This item was a mail order TV trial which the original was paid.. I did not like the makeup and returned the package..But the company instead resent more, Telling me to keep it then sent a XXXX. I complained and they would not resolve the issue.. Thats why they no longer sell the products via TV, because that was not real according to their Ad. I have challenged it and than no one has ever taken the complaint serious.. also they added more fee. 
3 ) I never ordered from XXXX XXXX but yet they keep insisting I did. Ive filed complaints of Not my account all they send is a copy of a order. 
4 XXXX XXXX  XXXX XXXX  XXXX I had two  separate credit card accounts I had one and Paid it off before it was delinquent. I need them to send the evidence of two accounts two separate signatures for 2 accounts and the evidence that their BAD business practices did not cause delinquency. 5 ) Metadate Be removed as it is paid, I wanted it removed since it is satisfied. 6 ) Web Fingerhut is 7 years old reporting. past credit reporting time 8 ) XXXX XXXX is over 7 years reporting and was deleted from other Credit Reporting agencies ( XXXX XXXX ) 8 ) As stated I did not use various forms of my name. 9 ) The many Phone number are not mines directly but of possibly others around Me. 10 ) I lived in New York until XXXX  Period!! Never lived in these addresses XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA, XXXX XXXX, NY in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FCC Grand. I have never had any background screening company report such information that is so erroneous. I have worked for Government Agencies, Federal Level and none of those very detailed Background Check company created the most Harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports via XXXX XXXX they have ONE DEBT " Northshore Financial '' listed three times. One ( # XXXX ) as " Paid and Closed '' and two others ( # XXXX & # XXXX ) as late. That account was only one account and was also discharged in bankruptcy. That company doesnt even exist anymore so I am not sure who is reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$360.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on myEQUIFAX report I noticed an item showing up that have not been on my report in several years. I realized it when I noticed my score drop by at least 20 points. It was from an old debt I HAD CLEARED UP AND WAS REMOVED, NOW IT IS REAPPEARING ON MY REPORT. IT WAS FROM AN OLD ACCOUNT AT XXXX XXXX  THAT HAS BEEN PAST CLEARED UP
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.c
Product: Credit reporting or other personal consumer reports

XXXX  federal student loan was sold to department of education XXXX but it still showing as a XXXX loan instead of Department of education XXXX XXXX