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

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX  XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax 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 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 or 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 data is inaccurate.
Product: Credit card or prepaid card

Creditor haven't reported score since XX/XX/ my account is still open and I've been paying my bills on time.
Product: Debt collection

Well before they even contacted me the company used my bank routing information and account number which they got from the primary company to charge my bank account for the debt. They never informed me of this, and the charge bounced. Thankfully my credit institution doesn't charge overdraft fees. When they did contact me they contacted me daily via phone and email about the debt. I finally just paid it to get them off my chest.
Product: Debt collection

In XXXX I I formed synchrony that I was a victim of identity theft and my information had been compromised. I sent a police report, documents verifying my address and my identity. On XX/XX/XXXX XXXX spoke to me about the situation. At the moment I had not obtained a police report copy. I asked if I should get XXXX for her and she responded, no. Well she informed me in a letter that my account number had been changed and that I was liable for that debt, because the items purchased were delivered to my home. I have been disputing this account because it simply is not mine, I am just waiting for trial so the judge assigned to my case can give me a legal letter which at that point I will hire an attorney to sue synchrony for the pain and suffering. 

On XX/XX/XXXX at XXXXXXXX XXXX synchrony illegally obtained money from my business checking account XXXX. The amount of XXXX they are now claiming the account is mine because I authorized its payment but this is inaccurate. Synchrony refuses to return my money and refuses to block and remove this fraudulent account. 
Please note that synchrony submitted information with the thiefs address in XXXX XXXX as my own, which proves that they have knowingly accepted the identity thief 's information, even after I had notified synchrony of the theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, XXXX XXXX via XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.

Please evidence proof of the alleged debt, including the alleged  contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent correspondence to TransUnion requesting a proper investigation, in accordance with the FCRA, in to multiple accounts on my consumer report. By XX/XX/XXXX, I still had not received an update from TransUnion as to the status or of the investigation. 
Eventually, via online portal, the " results '' came back as " Verified '' with no additional information provided to me, the consumer, as required by law. The only way for TransUnion to correct its shortcomings and be in compliance with federal law, is for them to delete the accounts in question. They no longer have the leniency of simply changing the status of these accounts to reflect " disputed ''. 

At this point, in order for TransUnion to be in compliance with the FCRA, these accounts are required to be deleted. They have not been. With this evidence, I consider TransUnion to be in direct willful and knowing non compliance of the Fair Credit Reporting Act and they are liable for damages, pursuant to 15 USC 1681n.

Even so, I gave TransUnion TWO more chances to correct this mistake. First, I sent a follow up letter reminding them of how they had failed to provide investigative information with me as required by law. No response. Most recently, I delivered correspondence to them on XX/XX/XXXX, explaining the laws they are in violation of and demanding the removal of said accounts. TransUnion has assumed a vital role in credit reporting and has a grave responsibly to furnish consumer reports in a fair and accurate and impartial way- Congress states. They are failing to uphold their grave responsibilities. Congress also states, TransUnion 's actions directly impair the efficiency of the banking system and undermine the public confidence which is essential to the continued functioning of the banking system. 

This complaint is my final attempt before I am forced to file a law suit against TransUnion for damages and stress and for willful and knowing non compliance with the FCRA, a federal law.
Product: Payday loan, title loan, personal loan, or advance loan

Albert makes it as difficult as possible to cancel your account and subscription. They owe me {$3.00} and are refusing to cancel my account until I re-link my bank account to transfer out the {$3.00}. This is taking place on XX/XX/XXXX. On XX/XX/XXXX, my bank account was linked. I transferred out {$77.00} they took from me under the guise of helping me save money ( thats a whole other issue ). I believe they purposefully un-link accounts that have been withdrawing funds because they know the person is trying to cancel the account ( because they wont allow you to cancel until you have withdrawn your funds ). I am now being told I have to wait 2-3 business days for my account to link, then 2-3 business days for the transfer to take place, then they will submit a request to cancel my account. I feel like Im going insane. There should be a button that allows me to cancel my account and sends funds by check to the address on file. Its insane to me that I have to jump through about 10 different hoops to just cancel a subscription. Its clearly a process that is designed to be predatory and confusing on purpose so people give up and keep the account. There are also hundreds of XXXX threads of customers complaining about the predatory process of cancel subscriptions/ accounts, its clearly not just me. Its designed to take a long time and be as confusing as possible.
Product: Debt collection

This medical debt is not supposed to report on my credit and this alleged debt did nit give me any notification or receive permission from me. They have violated under tile 15 of the FDCPA guidelines. This alleged debt was removed now reinserted without my permission
Product: Credit reporting or other personal consumer reports

I am writing to address a critical issue regarding the handling of a DISPUTE that was made a couple of months ago. Despite acknowledging the inaccurate Account reporting False and misleading information that is not valid or validated. This account has caused damage to my credit profile and violated Under 15 U.S. Code 1681b ( a ) ( 2 ), 15 USC 1681 ( e ) ( b ), 15 U.S.C. 1681s-2 ( A ) ( 1 ), inaccurate information should be rectified and removed without delay. The false and incorrect information reported, including late payments, clearly violates 15 USC 1681a ( 2 ) ( 1 ), Furthermore, under 15 U.S. Code 6802, I want to draw attention to the fact that I have not been allowed to direct that such information not be disclosed to XXXX  parties, as required by the law. The accounts are not reporting correctly, and as per 15 USC 1681i ( 5 ), they are supposed to be modified accordingly. These accounts are not charged off, and according to 15 U.S.C. 1681s-2 ( A ) ( 1 ), inaccurate information should be rectified and removed without delay. YOUR company EXPERIAN is still reporting inaccurate information. YOUR COMPANY VIOLATED MY FCRA AND FDCPA This persistent error is not only unacceptable but threatens my financial stability and professional standing. As an Agency that reports information for consumer creditworthiness your company is not reporting XXXX  % accurately and respecting my consumer rights. Your job is to report accurately and process my request. Failure, to rectify this issue on my credit profile would ONLY LEAVE ME WITH NO CHOICE BUT TAKE LEGAL ACTION TO SEEK REMEDY. I insist on immediate action to correct the inaccuracies on my credit report. ONCE again, Failure to do so will force me to pursue all available legal remedies, including litigation for damages. YOUR COMPANY HAVE TIMELY MANNER TO REINVESTIGATE THIS AND REMOVE/ DELETE IMMEDIATELY within XXXX Business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters and given affidavits to the credit bureaus along with each company listed with police reports, letters and reported them to other related organizations, Matters still not resolved it has been a few years with evidence of these alleged debts and violations! 15 USC 1692g Validation of XXXX
Product: Debt collection

Plaza Services LLC has to XXXX open accounts on my credit reports the debts reported on my credit report are invalid for the following amounts {$2700.00} & {$1100.00} they were both included in my XXXX XXXX bakruptcy which was discharged on XX/XX/year>. They are reporting on all XXXX credit reports as open and need to be removed immediately. I have contacted several times with no success.
Product: Payday loan, title loan, or personal loan

Long story that happened about 14 years ago. CitiFinancial took out a consolidation loan and signed me as the co-signer without my permission. They used my information from a previous loan application. The loan was not being paid, so than they decide to perform an illegal charge - off through the IRS on my 2017 taxes. This triggered an IRS audit of my taxes since I refused to pay taxes on a loan I have never received. The IRS is non-compliant since XXXX. I have stacks of letters from the IRS, they send me each month saying they are looking into it. I sent letters to CitiFinancial to remove the charge-off or be sued. This is all similar to what XXXX XXXX did by using customer signatures to sign them up for products they were unaware.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a " Derogatory Remark '' on my credit report. It is from a collection agency, CBE Group. From my research on the internet, it appears to be a debt originating with XXXX XXXX XXXX. 

This is not my account. I haven't had an account with XXXX XXXX XXXX since XXXX. 
I didn't have an outstanding bill, and it was an account closed 12 years ago. 
On the credit report is says the account was opened XXXX. 

I disputed this debt, through XXXX XXXX. I told them this is not my account. I checked my XXXX XXXX report today. Derogatory Remark remains, with the remark : " Account information disputed by consumer, meets FCRA requirements ''. Apparently, that just means that it was verified that CBE bought this account for collection. 

It is not mine. I want this removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 : Can not access Equifax account to lift security freeze. Website wont accept account credentials and wont reset password. 

Phone service disconnects after entering all information and selecting " continue ''.
Product: Mortgage

Hello, please help. To be brief, in XX/XX/XXXX I filed bankruptcy with my now ex husband and surrendered a home. BKY discharged in XX/XX/XXXX. To this date, the home has NOT yet foreclosed! After more than 7 years! This mortgage was part of that Countrywide/BOA buyout issue and the foreclosure has started and stopped many times. Currently, the case is closed, without foreclosing. The judge just this year ordered the note to go back to the mtg company, and closed the case. I have since then remarried, and have worked very hard rebuilding my credit. Even though I am not responsible for this debt anylonger due to the bankruptcy, I still can not qualify for a loan until 7 years past a foreclosed date!!! My score is over XXXX now, but due to the home not foreclosing, it has stopped me from moving on with my life, and purchsing a home with my husband. I have written nurmerous letters to the bank as well as one to the XXXX of Florida, and have been directed to you for assistance. I have seen homes foreclose within a year or so, and mine has been over 7!!! Can you please help?? The way this is going, with the case not being assigned to anyone, after being buried for years, this can continue indefinately for years and years. Please help. THIS HOME NEEDS TO FORECLOSE. Former name XXXX XXXX. I will supply documentation of surrendered home in bky pwk when contacted. Original bank was Countrywide, and BOA purchased the loan.
Product: Debt collection

I have collection that appear in my credit report 4 month ago from amsher collection services {$300.00}, its about t mobile phone company from 2017, I return the item and it was for signal and I don't have use for it, it appear in the past from different collocation co and I dispute the error and it shows up again from different agency can you please help me to fix the problem and prevent them from using my information
Product: Credit reporting or other personal consumer reports

I want reported accounts removed XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX  Unknown - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax froze my entire account without my permission or knowledge. When I tried to get a personal loan through my credit union, they could not run my credit because they said it was frozen. I called XXXX and spoke with a supervisor named " XXXX  '' She told me that the system would not allow her to " LIFT THE FREEZE '' and then she went through this whole litany of things I have to do like fax her a copy of my Nevada State I.D . Social Security Card etc. THIS IS UNFAIR BECAUSE I NEVER REQUESTED MY CREDIT TO BE BLOCKED OR FROZEN. EQUIFAX GENTERATED THIS ON THEIR OWN. I am a XXXX year old XXXX XXXX Veteran, and do not drive or have access to a fax machine. Meanwhile, I'm missing out on a good loan with XXXX XXXX XXXX XXXX. I even joined Equifax XXXX per month to circumvent this issue. As soon as I paid for the service, they showed me my credit score, and told me it was open. However, when the loan officer from XXXX XXXX  went to run it, it showed " Frozen '' again! This company is stressing me out and making me sick. I can not get through to them and they make it very difficult for the consumer to do business with them! Please help! Thank you!
Product: Credit reporting or other personal consumer reports

1. Equifax isthe only agency refusing comply with the Fair Credit report Act : 605B ( 15 U.S.C 168 ) they refuse to issues a BLOCK on fraudulent account : XXXX XXXX XXXX  Original Creditors : XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX status : in collection listed in my FTC REPORT : XXXX XXXX. Equifax refused to update my credit report and list open account Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX Date opened : XX/XX/year> Open/closed : OPEN Status : OPEN/NEVER LATE Balance : XXXX $ Original Balance : XXXX $ Paid off : 90 % Monthly payment : XXXX $ Terms : 25 MONTHS Responsible : INDIVIDUAL XXXX. Equifax refuses to provide free copies of my credit report on annualcreditreport.com XXXX. They have refused to comply with FRC These things linger on my credit and contribute to me being homeless and unable to get a high paying job because employers run a credit history, I have been denied loans to further my education. EQUIFAX is causing me to have so much pain and suffering
Product: Checking or savings account

MY WELLS FARGO SAVINGS ACCOUNT ; HAD A BALANCE OF {$550.00}. MY ACCOUNT IS NOW CANCELED AND OVER DRAWN.
Product: Checking or savings account

I received a letter from Marcus by Goldman Sachs stating they're glad I made the decision to save with them. An account number ending in XXXX digits was provide. Few days later I received a statement showing the ONLINE SAVINGS ACCOUNT is open with a XXXX balance. I contacted the bank and spoke with XXXX in security. He said he'd open an investigation and once it's complete they will close the account. I have to wait for a letter to be mailed to me to let me know that. It's been XXXX weeks and today I received ANOTHER letter about a DIFFERENT account being opened in my name. This bank is an ONLINE bank! I called and spoke with XXXX  in security. She could not provide me with any information about my last report only said she'd open an investigation into this one and will notify me by mail. Both times they advised me to change passwords ( I do this monthly ), file a police report ( local police won't do this because it's an online account ) and file ID theft reports ( I've done with with IDtheft.gov and XXXX. All of my credit reports have been frozen for quite some time and I verified that they still are. 
I asked this Bank to please put a Flag in their system to NEVER open an account under my name and address. I was told that they could not do this. I'm afraid that I'm going to continually get notices about this bank allowing accounts to be opened in my name. They are NOT helpful in any regard. The calls go to a call center and they don't speak very good XXXX. I refused to provide them with the DOB or SS #. How do I get them to stop allowing accounts to be opened in my name?
Product: Credit reporting or other personal consumer reports

Account was set up on automatic payments monthly and was disconnected by company without my knowledge and later reported as late to all 3 credit bureaus for that month. I reached out to a rep and explained the situation, he understood but could do nothing about it and told me to take it up with the bureaus. In the screenshot you will see the manual payment that took place and me having to reset my account back to automatic