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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, Account # XXXX, Account # XXXX, Accont # XXXX 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 2. I also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

ProCollect is attempting to collect {$1100.00} for a " supposed '' debt from XXXX XXXX XXXX. My husband, XXXX XXXX, and I were both on the lease and on XXXX/XXXX/XXXX we were given a standard travel order to XXXX. We notified the apartment the apartment complex and were told everything was in order when we did the walk through. 

I was not aware this was an issue until we had our credit pulled in order to purchase a home and come to find out this is on our report. I sent the transfer duty to the credit bureaus and to Pro-Collect on XXXX/XXXX/XXXX. They never responded to my dispute so on XXXX/XXXX/XXXX I called them and was advised I could only communicate via email to XXXXXXXXXXXX by a XXXX XXXX and a XXXX XXXX. 

I contacted XXXX and XXXX advised me they received my documentation however I never received a response from them. They stated they responded on or around XXXX XXXX, XXXX and the evidence I submitted was not " suffecient. ''
Product: Debt collection

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : KOHLS/CAPONE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

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

XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$96000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Debt collection

On XXXX/XXXX/2016 I was told by my immediate supervisor at my employment that I needed to contact XXXX XXXX where I work he had a message for me. When I did he gave me the call back number. He also told me person on the phone wanted to serve me with paper about a legal situation and he was promptly told he could not come on the property and was told not to call back. Then on XXXX/XXXX/2016 he called again 3 times. He was not put through the first time. The second time the lady in central control put it through and I told him not to call me at work ever again. He called back again and was rude and used a threatening to the lady in central and she hung up on him. Then on XXXX/XXXX/2016 he left a message on my cell phone saying this was the last and final warning before the file proceeded. I then in turn called the XXXX XXXX XXXX Department and the detective placed a call to the number and he answered the phone and said law firm. He would not divulge anything to the detective without a file number and the number the call was placed to. After research this is not a law firm it is a debt collection agency, An attorney from Alabama has sued this company for the very same thing. Then come to find out he has been calling my sister on her cell phone at her employment and he did this also on XXXX/XXXX/2016.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these items. It is not permissible to fail to validate these reporting items 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 corrected : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$6800.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. There are accounts on my credit report that I did not authorize nor do I recognize. They are listed below - XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX  XX/XX/2019 - XXXX - XXXX XXXX XXXX XXXX - XXXX  -XXXX
Product: Credit card or prepaid card

I opened a wells fargo credit card for their 0 % balance transfer offer. I applied for a balance transfer of XXXX by taking a picture of my discover card and submitting it online. This went thru per wells fargo on XX/XX/XXXX. My discover card never recieved these funds. After review wells fargo submitted the funds to someone else 's discover card number which they gave me their number and stated since it went thru to someone else 's discover card it was my responsibility to pay the XXXX. I contacted discover card and after giving them the card number wells fargo gave me they said the balance transfer did go thru but that this mistake was made on wells fargo end and I had to go thru them not discover. I called wells fargo again and was told that since the funds went thru to a discover card member that I was liable for this charge and there was nothing they could do since they can not recover these funds from discover card. I told XXXX # XXXX who I had been talking to that I should not have to pay another person 's balance and he stated there was nothing they could do. That I owed the money that was never put on my account. This is not right. I am not liable for another person 's debt. This has got to be a fraud because when I asked him how the picture of my discover card number got translated wrong he said that it was my debt still.
Product: Debt collection

XXXX XXXX sent dues to collection agency after Id cancelled as I was moving to a different state. The gym had continued charging me and eventually sent the dues to Collection Receivables , Inc. To finalize and resolve the issue, I decided to pay the amount due months ago to Collection Receivables , Inc. After paying off, I asked them to not contact me again. Several times a couple of months later, I was still receiving emails and occasional calls from them so I decided to call them and ask them why I was still being contacted, they said the notifications were sent by error ; that I didnt owe anything and that I would no longer be contacted. Today, XX/XX/2022, I received another email telling me that I was being contacted to collect a debt with an attachment for an offer to pay off dues for a lower than owed amount
Product: Credit reporting or other personal consumer reports

Regarding XXXX  XXXX account ending in XXXX, it is associated with my company. However, upon reviewing, the accont, it has come to my attention that fraudulent charges were made to the account before multiple payments. These charges were initiated by a third party. In light of these circumstances, I kindly request that the account be either deleted or the balance be set off. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

American Express entered a 2 years and 10 months arrangement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party non-affiliate. Their terms and condition says they do not provide my information to third party non-affiliates. they violated their own terms and conditions when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433
Product: Debt collection

I did not open an XXXX XXXX XXXX  account in XXXX this is not my debt XXXX XXXX just appeared on my report and they are not providing me address of services will not remove this is not mine. I have filed a dispute with Transunion that came back in less than 20 days.
Product: Credit reporting or other personal consumer reports

I asked Experian to correct the below wrong information on my credit report & send me a corrected report but they haven't : ( *None of the below 3 accounts have ever been 30 or 60 days late .... 
1. Account name : XXXX XXXXXXXX 1. Account number : XXXX .... 

2. Account name : XXXX XXXX 2 . Account number : XXXX .... 

3. Account name : XXXX XXXX XXXX 3. Account number : XXXX .... 
*None of the above 3 accounts have ever been 30 or 60 days late ....
Product: Credit card

The individual alleges that DISCOVER violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and DISCOVER failed to disclose their right to rescission. 

Failure to Obtain Consent : DISCOVER allegedly reported information without the written consent of the consumer, as required by FCRA Section 604. 

Misrepresentation of Credit Payments : They argue that DISCOVER misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if DISCOVER fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. 

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan.

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXXXXXX Account Number XXXX XXXX  XXXX bankruptcy discharged Reference Number 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
Product: Debt collection

Sunrise Credit Services XX/XX/XXXX Dispute for XXXX Mobility disputed it with XXXX twice and they did not remove it. Called Sunrise and they are supposed to be sending a fraud packet which they have not. This is not my debt, I have never lived at the address tied to this bill and I have never had XXXX Mobility. 

Account name SUNRISE CREDIT SERVICES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1400.00} Balance updated XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX,XX/XX/XXXX XX/XX/XXXX and BK OF AMER add a hard inquiries on my credit reports. The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

In XX/XX/XXXX, my checking account was charged with XXXX unauthorized transactions at " XXXXXXXX XXXX, '' each for {$0.00}, totaling {$190.00}. In XX/XX/XXXX, I contacted Chase to report and claim these unrecognized transactions. However, I only recovered 50 transactions, totaling {$49.00}. The remaining 149 transactions, amounting to {$140.00}, were not refunded to me. 

As an elderly customer, I do not frequently check my bank account on my phone. On XX/XX/XXXX, I logged into my Chase app and discovered that I had not received the full amount back. I contacted Chase again to claim the remaining transactions, along with some recent unauthorized charges. These include a charge at " XXXX XXXX XXXX XXXX XXXX '' on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( approximately {$27.00} at the exchange rate of XXXX ), and another charge on XX/XX/XXXX, at " XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX ( approximately {$13.00} at XXXX XXXX rate of XXXX ). I have never visited these locations or authorized such transactions, making them clear cases of fraud. 

Since I opened this card in XX/XX/XXXX, I have been charged with a total of XXXX unauthorized transactions, including XXXX from XXXX XXXX, XXXX from XXXX, and one from XXXX Promote. This raises serious concerns about the security of my Chase account. I have never used this debit card for any transactions since opening the account, and the card has never left my home. A review of my statements will confirm that this card has never been used for purchases, further highlighting the alarming nature of these unauthorized charges. 

In XX/XX/XXXX, I promptly reported the XXXX XXXX XXXX transactions to Chase. I firmly believe I reported all transactions in a timely manner. Chase 's recent claim that I failed to report them within the required timeframe is incorrect. Despite my careful precautions, my account has been repeatedly compromised. 

Today ( XX/XX/XXXX ), I followed up with Chase to check the status of my claims. Unfortunately, the supervisor I spoke to, named XXXX, was rude and unhelpful. I request a thorough investigation into the security of my account, recovery of the remaining {$140.00} from the XXXX XXXX charges, and reimbursement for the recent fraudulent charges. Additionally, I seek assurance that my account will be secure moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report from TransUnion and found many errors and misrepresentation of my true credit report. I have requested for these derogatory information to be removed from my credit report. There's approximately 56 account inquires which shows TransUnion did not follow there own procedures. However, they claimed to use a third party to verify my information instead of contacting me. I believe TransUnion failed to use ID.me for third party verification. If they did there's no evidence of who they used as a third party without notifying the actual consumer. I have reported several times to all three bureau of my identity being stolen. I even submitted letters from other establishment stating my identity was stolen. I have asked to have my US Dept of Education information to be removed and it still appears on my credit report that my accounts are in collection. Which is not true. I am XXXX and those accounts are closed. I would like for all these derogatory information to be removed immediately from my permanent credit report. In-order to savage my credit rating and clear my credit history with unwanted information using the U.S. 15 Code 1681c-2 Block of Information resulting from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Transunion and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate if the open date, date of last activity, charge offs reporting as ok and much more. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting accurately.

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

1581 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. 

1581 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 items of information other than the records of convictions of crimes with antedates the report by seven years.

1581 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

-Google Store delivered XXXX  XXXX on XX/XX/XXXX. 
-Purchase made in reliance on Google marketing about " premium '' qualities of device, implied warranty of merchantability as bolstered by Google 's commitment to sustainability - software update many years into the future of the device ownership -Generally purchase devices with major credit card in order to extend warranty support beyond manufacturer standard. Enticed and purchased this device via Google Store credit. 
-Notified Google support XX/XX/XXXXXXXX  that serious antenna malfunction, dropped calls for at least 30 days prior despite troubleshooting with Google as well as with wireless carrier, switching to new wireless carrier -After Google technical representative was unable to resolve the problem via troubleshooting was transferred to a Google representative who advised presenting the phone to a repair shop independent of Google at my own expense and my own risk. 
-Google representative ultimately offered a 20 % discount on a newer device for " loyalty ''. Google XXXX XXXX previously discontinued. Would incur substantial cost for equivalent device. Discount offered was less than other discounts offered to Google One Subscribers as well as the general public. 
-No link or instructions to use discount code provided. Concern was concluded without further action from Google.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the inquiries below and have done my best to resolve with the company and credit bureau. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX