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

Question for XXXX XXXX loans still appear on credit which has adverse effects on ones financial ability to obtain credit worthiness for issues and products and services.
Product: Credit card or prepaid card

Discover card is horrible they said that I was randomly picked for verification and I sent in and signed everything they needed through XXXX  and XXXX  sent me an email confirming that everything was done and accepted. Discover still didnt fix my issue with my card so I called and was told that it takes some time but I could upload three months of back statements and it would speed up the verification. This is all crazy because I had already had the card for several months and made payments before due dates because I very particular about my credit score. I think Discover is a scam on these secured cards where you are trying to build your credit. Total scam
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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : 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 Inquiry : XXXX XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions. 

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Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
BRCLYSBANKDE XXXX
Product: Debt collection

Dear FTC and CFPB, I am writing to file a complaint against HUNTER WARFIELD , INC . I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). 

I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer credit report, and I have noticed that it also contains information regarding alleged late payments, which I believe fall under the category of " transactions and experiences. '' According to the Fair Credit Reporting Act ( FCRA ) and other applicable laws and regulations, transactions and experiences are explicitly stated as information that should be excluded from a consumer credit file. 

It is important to emphasize that any alleged late payments are indeed transactions and experiences, and their inclusion in my credit report is not only inaccurate but also potentially damaging to my creditworthiness. I firmly believe that these items should not be part of my consumer credit file, as they do not accurately reflect my credit history and financial behavior. I have listed the following information as a reference : Negative Accounts : XXXXXXXX XXXX XXXX Lender : {$180.00}, {$230.00} XXXX, Experian ( Negative Remarks ) XXXX XXXX XXXX {$180.00}, {$230.00} XXXX, Experian ( Negative Remarks ) XXXX  XXXX : {$200.00} XXXX, XXXX, Experian ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX, XXXX, Experian ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX, XXXX, Experian ( Negative Remarks ) Collections : XXXX XXXX XXXX {$480.00} XXXX, XXXX, Experian ( Negative Remarks ) XXXX XXXX XXXX {$130.00} XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have reached out to this company several times, before they tried to collect about fixing equipment. After they tried to collect I have sent out other letters by email/regular mail, no one has responded or reached out to me.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Transunion inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters have been written and sent to XXXX, Equifax and XXXX  in regards to the following duplicate accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The letters dated XX/XX/XXXX have been sent certified mail and more than 30 days have went by with no response from all. Proof will be attatched. 

1. XXXX ; Account # : XXXX ( reporting on Equifax ) 2. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) ; Account # : XXXX ( reporting on XXXX XXXX XXXX ) 3. XXXX ; Account # : XXXX ( reporting on XXXX XXXX XXXX , Equifax ) 1. Sent certified mail to Equifax for accounts XXXX ; Account # : XXXX AND XXXX ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 2. Sent certified mail to XXXX  for account XXXX  ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 3. Sent certified mail to XXXX  for account XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Outside of having proof that several letters have been sent and ignored this is a FCRA VIOLATION to have the same account reporting multiple times. 

There are also several errors amongst the same exact accounts as follows : 1. XXXX ; Account # : XXXX ( reporting on Equifax ) is reporting a high credit of {$9200.00} AND XXXX  ; Account # : XXXX ( reporting on XXXX, XXXX, ) is reporting a high credit of {$18000.00} 2.XXXX ; Account # XXXX XXXX ( reporting on XXXX, XXXX, Equifax ) ; XXXX  and XXXX  are reporting a high credit of {$18000.00} and Equifax is reporting a high credit of {$0.00}.

3. The date of last active are reporting different dates between all 3 of the same accounts. Makes absolutely no sense.

4. The date of last payments differ between all 3 of the same accounts. For example ; XXXX ; Account # : XXXX ( reporting on Equifax ) is reporting date of last payment as XX/XX/XXXX AND XXXX  ; Account # : XXXX ( reporting on XXXX, XXXX, Equifax ) XXXX  is reporting date of last payment as XX/XX/XXXX. 

THERES WAY TOO MANY ERRORS THAT I CAN GO ON AND ON ABOUT. AND THESE ARE SUPPOSED TO BE THE SAME ACCOUNTS??? HOW??? THERE IS NO POSSIBLE WAY THESE ACCOUNTS WERE VALIDATED AND VERIFIED FOR ACCURACY. DELETE ALL 3 ACCOUNTS
Product: Credit card or prepaid card

As per Citibank customer service advice, there is possible malware affecting on my computer that may have been trying to steal my credit information. They decided to blocked all future transactions with Citibank/Home depot Card .
Product: Debt collection

The account showed up on my account around XX/XX/XXXX as a collection. When i called the company they stated that i never mailed my equipment from XXXX XXXX XXXX, but i did. I also provided them with the receipt from the post office that the equipment was send to them. After that conversation, i didn't hear from them for 3 months. They ones again stated that i never send this equipment in and attempted to collect money from me in a very aggressive matter. The reason i cancel my account with XXXX XXXX XXXX was because they charged me for long distant calling with out my consent. They spoke to a person in my house and through them they opened and account under my name. They never spoke to me and i ended up just cancelling this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove numerous fraudulent/unauthorized inquiries from my credit reports.
Product: Checking or savings account

I contacted Truist Bank regarding a online transaction regarding XXXX  ordered. I was charged {$190.00}. I typed the XXXX  more than once because it did not take the first time ( XX/XX/2023 ). I have called fraud department with Truist Bank over seven times concerning this transactions * also telling them that the order was delivered and was advised not to take XXXX  XXXX XXXX XXXX so, I returned the package unopened and gave the bank the USPS returned XXXX  They have returned the {$140.00} in XXXX. However, they refused to return the {$50.00}. The branch has tried to assist me, as I showed them the return emails showing the refund from the merchant. Truist still will not refund my {$50.00} it owes me.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX report immediately! I've attached a copy of the report to this request. 



Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

This complaint is with regards to Electricity and Gas Services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) at the earlier rented apartment that was vacated on XXXX XX/XX/2022 as per the last date on the lease. Based on the disconnection request, I had received the account closure letter documents over email from XXXX XXXX  XXXX confirming my account closure on XXXX XX/XX/2022 followed by the final bill of {$270.00} on XX/XX/2022. However, even after this final bill XXXX XXXX XXXX sent additional bills for the total of {$220.00} although my account was already closed based on the communication they shared. 

A Debt collection company Revco Solutions contacted me via phone call and postal mail for a total payment for {$490.00}. I paid them my final bill amount of {$270.00} by check which was the correct amount owed to XXXXXXXX XXXX  XXXX as per my final bill. Even after that they kept sending notices that I pay the remaining {$220.00} which as mentioned was over and above the final bill amount. I provided them all the evidence over email regarding the communication on account closure and final bill shared by XXXX XXXX XXXX. However they kept on sending further notices for the payment of the remaining balance. Upon contacting them today again there was no change to this position. 

I am raising this complaint as the remaining balance of {$220.00} is an amount I do not owe XXXXXXXX XXXX XXXX as explained above. I am attaching the copies of communication mentioned from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me get started by saying the Fraudulent information related to the Identity theft that has occurred on my Experian Credit Report, was mostly resolved however they continued to allow a few inquiries to be listed on my credit report. These are fraudulent, I did not authorize any of these companies to view my credit file. I did not authorize the company to review any soft inquiries either. I have already sent in my FTC Identity Theft Affidavit to Experian, They have my law enforcement documentation. 

I sent a previous complaint last week, and Experian 's response was they have to kindly reject my request to have this fraudulent information blocked from my credit file, Even though they were advised these inquiries as a result of Identity Theft. They did not provide an investigation, and I feel like their handling of Identity Theft, Is not only wrong but very against the law. Experian Violated my Rights as a consumer after advising them i was a victim of Identity theft to allow these creditors to review my credit file even with a security freeze on file. These credits did not follow the FCRA Fraud ALERT on my file either. I never received a call. I believe this is violating my rights as consumer and Experian did not handle the Identity theft information very well. Especially since in my previous complaint they were advised of the fraud and they " Declined my request to have the information blocked. " By law they were notified of the fraudulent information, they were provided law enforcement documentation, this has been reported and sent to Experian and even as a subscriber they do not care about consumers or victims of identity theft. I do not appreciate the way the last claim was handled, especially since it truly showed Experian doesn't follow the FCRA laws. 

The fraudulent inquiries are listed below. 
XX/XX/2018, XXXX XXXXk Consolidated. 
XX/XX/2018 XXXX XXXX - Not Authorized Inquiry. 
XX/XX/2018 XXXX - Not Authorized Inquiry. 
XX/XX/2018XXXX XXXX XXXX - Not Authorized Inquiry.
Product: Credit reporting or other personal consumer reports

This account isnt mine and I need it removed 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Im asking for this tons removed asap
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 USC 1681 1XXXX 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 Has violated my rights. 


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

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

15 U.S.C 1681C ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Product: Debt collection

Credit Reporting act XXXX, the ist of accounts XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX years, 15 U.S.C 16815-2 ( A ) ( a ) 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: Checking or savings account

I have a checking account and debit card with Discover Bank. Back in XXXX my debit card got charges with fraudulent charges from XXXX different companies and I immediately reported this to Discover Bank and they issued me a new card and investigated the charges. The smaller charge they solved but now 2 months later the {$830.00} charges they are saying that they have found to be my charges. The company is XXXX College XXXX XXXX XXXX which I have never heard of. I am almost XXXX and I am not enrolled in any college. I expected Discover to help me and I feel let down.
Product: Credit card or prepaid card

I was XXXX  and on XX/XX/XXXX. XXXX XXXX a friends husband had a card sent to his house expidiated. Without my knowledge. He activated this card and withdrew my ssi benefits for the months of XXXX XXXX and XXXX. For {$720.00} {$740.00} and {$740.00}. 
They also had a drivers license sent to there house in my name. I wrote direct express and explained I was XXXX and no one had authorization to use. I didnt get our until XXXX XXXX. 
I found out then going to social sercurity that I owed these funds. {$2100.00} Which i am having to pay back. Due to Direct express dening my claim. I sent everuthing that they requested. I filed a police report. I am experiencing hardship and a fincial lose and strain from this clear act of fraud. I need help. They are ride hang up and dont answer any questions I have. This is a clear case and they have lied to me as well as cheated me out of the rights as a consumer has
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management , IncXXXX - have sent notices and violated privacy in having the information unsecured delivery and exposure of credit information. Company already contacted as mail was found about the neighborhood. Additionally, credit report from XXXX does not have this purchased debt but illegal means of collection is being employed with threats noting PRE-Legal NOTIFICALTION mailings. This is a continued practice of this company for which they have been fined in the past. The mailings with respond by dates are mailed with little time frame for responses and yet they seek un-substantiated claims within the courts according to notices thrown about people 's property. NOTICE Dated XX/XX/XXXXXXXX  was not discovered until XX/XX/XXXXXXXX  with response date to pay by XX/XX/XXXX. Paid pennies on the dollar but want to impose unsubstantiated claims of debts via harassment methods. Calls and unsecured time sensitive mailings left to blow about people 's neighborhoods. Deliberate delays to take illegal legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Experian investigate XXXX XXXX during a dispute on my credit report. They came back and verified the debt..I had paid a settlement and XXXX considered account to be paid and closed..Experian decided to keep displaying the account on my credit. I recently contacted XXXX  XXXX VIA Chat on their website. I asked specifially what I could do to get the information off my credit. I was told by the XXXX representative that they did n't have my account in their system. They could n't find it ... Therefore they could n't verify the account.the XXXX account is XXXX..It appears 2x
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX