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

Hello, Again I have received message from EQUIFAX to send dispute form with documents which I have sent five times with all documents. 
Now I have decided to remove my profile with EQUIFAX and for such matter I have called EQUIFAX customer service but when I have said him to proceed for remove my profile, he has said that he transfer my phone to another person thanafter after long time he has disconnected my phone without any answer. 
I have just came from XXXX to XXXX but experience with EQUIFAX service I got harassment.please help me for such matter. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent Transunion, XXXX and XXXX a copy of my credit report that I obtained from them stating that they are reporting unaccurate information on my consumer report, however it keeps coming back VERIFIED, how is this possible when everyone is reporting this item completely different? FCRA states all items MUST be reported 100 % accurate. I provided evidential documents to show the inaccuracy of the account, however they still choose to ignor the documented FACTS that I received from them. Transunion, XXXX and XXXX need to be held accoutable for their NEGLIGENT FCRA REPORTING. Every date of last activity is reporting years apart, balance ECT...
Product: Prepaid card

I have a Cashapp Card and I tried to use it to make several purchases and was denied so I called the company to see the reason why only to find out I was deactivated. I was not told I was deactivated and was not given a reason why. I would like to know what happed because I like and use my card daily. If you can find out why I would like to know and I also would like to know if I will be able to ever use the cashapp again.
Product: Debt collection

a electronic signature is not validating proof of claim, and sated before, there is no proof stating that I owe NATIONAL CREDIT SYSTEMS at all, a guy name XXXX called aggresive, over the phone and called before XXXX central time, that's harrasement please show proof or a contract stating or bearing my signature that I owe them ( national credit systems ) How can a third party collection agency not know what state I live in at all.
Product: Credit reporting or other personal consumer reports

# What happened? 

On XX/XX/XXXX, I discovered an unauthorized XXXX credit account on my TransUnion credit report. This account was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX, with a past due balance of {$6900.00}. The account number ends in XXXX. 

Key points : XXXX. I did not open this account and have never had a XXXX credit card. 

XXXX. I contacted XXXX on XX/XX/XXXX. They could not find any open or closed accounts in my name and promised their fraud department would call me. As of XXXX, I have not received this call. 

XXXX. TransUnion has blocked my access to my account for years, preventing me from disputing this fraudulent account directly. 

XXXX. I only became aware of this issue after being removed from XXXX 's Path to XXXX XXXX program. I had to use a third-party app ( XXXX ) to access my TransUnion report information. 

XXXX. This fraudulent account has negatively impacted my XXXX XXXX and financial opportunities. 

I believe this situation violates my rights under the Fair Credit Reporting Act. I'm requesting that : XXXX. The fraudulent XXXX account be immediately removed from my credit report. 
XXXX. TransUnion restore my access to view and dispute items on my credit report. 
XXXX. Both XXXX and TransUnion investigate this matter thoroughly and provide me with the results in writing. 

I've attempted to resolve this issue directly with both companies but have been unsuccessful. I'm seeking the CFPB 's assistance in addressing this matter promptly and fairly.
Product: Credit card or prepaid card

This is a continuation of the same complaint # XXXX for the same company ; Continental Finance .

Now, I discover they have closed my account with no mention of it whatsoever, even though the account is still online and I am able to access it.

The company will not even tell me why it is closed. Unbelievable. 

They just took my payment of {$100.00}. 

This has negatively affected my credit as XXXX is showing I now have less credit accounts. 

This company has had it out for me from the beginning with mishandling and manipulation and I believe this has veered well into criminal fraud and gross mismanagement and manipulation in order to obtain higher profits. 

I have been working with a company rep on this and he made considerable changes to the account on my behalf. I thought it ended there, and I just kept making my payments. Then, surprise, I see my account with them is closed. Well, sort of closed, they are still taking my payments. 

I would like to pursue this in court. I would like to know how to do this. Credit card companies should not be able to act like this. 

Do NOT get a credit card from " XXXX '' or Continental Finance. That would be my advice. Or, you can, and just take your chances whether they will mismanage your account as well while damaging your credit. 

I have screenshots, history, email conversations to prove my every statement. 

I am done, they need to be held accountable. I want to see them in court. 

XXXX
Product: Checking or savings account

On XX/XX/2024, I tried to access my Citibank account through making a withdrawal at an ATM. The process was denied by Citibank at their ATM. I tried at a different ATM and again found my accounts locked. 

I investigated on the Citibank website and found no information about my account being locked. I also saw no evidence of any unusual or fraudulent activity on my account. I had received no notifications about suspect activity, no fraud alerts, and no requests for any additional information or explanation about account activity by Citibank. The first time I learned of the problem was when I was not able to access my accounts. 

I called Citibank and was told that my accounts were locked and I could not access my checking or savings accounts. I spoke with " XXXX '' who refused to provide his last name, but he offered that his Citibank ID was " XXXX ''. XXXX told me that the department that had my account locked was Deposit Fraud and that they were closed. I was told that I would have to call back the following Monday to remove the lock. 

XXXX and the Citibank personnel I spoke to refused to unlock my account and to free my funds. They refused to tell me why my funds were locked. They refused to say how long they had been locked. 

I was locked out of my accounts without explanation and without opportunity to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The have sent multiple letters to the credit reporting bureaus ( TransUnion, XXXX and XXXX ) about the errors and inaccurate reporting of the account such as date of last payment, date of when the account was established, as well as other information not reporting accurately across the three credit bureaus. I have reached to the creditor and collections agencies where they have failed to provide a proper validation of debt and error are still reporting after pointing it out to the three Credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying Ally Financial for the last two months. And they have not sent any reports to the credit bureau saying that I have been paying thus off in collections. Every time I call they give me the run around. They told me the whole XXXX would have to be paid for them to report it to the Credit Bureau which I know is not true. Then they told me that I would have to call XXXX XXXX XXXX XXXX. I called them they told me that there not a collection agency that report to the credit bureau that I would have to call Ally Financial back. I have been getting the run around.
Product: Credit reporting or other personal consumer reports

Account opened- XXXX XXXX credit limit {$1100.00} I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX  XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX  XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect.

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

Today XXXX/XXXX/XXXX, I attempted to contact Experian due to some inaccuracies showing on my report. I have numerous unauthorized inquiries reporting. The XXXX I spoke to initially started the process and refused to go any further because she states that I have opened an auto loan in the time frame from XXXX. Her facts are completed inaccurate and are based off assumption. While having purchased a car in XXXX XXXX, I only use one bank to process financing on all of my vehicles in which is XXXX XXXX XXXX XXXX. In XXXX I refinanced the same car with XXXX XXXX XXXX XXXX. The fact that she took it upon herself to deny me rights to reporting inaccuracies on my file is nothing less than mind blowing. I request that all none account associated inquiries be removed from my file, for I have no knowledge and did n't authorize any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was fraudulently attempted to be opened in my name on XX/XX/2021 but was blocked by XXXX due to the safeguards that I currently have in place on my credit report. XXXX did an investigation and deemed the attempt to be fraudulent and sent a letter stating the inquiry would be removed within 30 days of the date of the letter ; however, XXXX still has not removed the inquiry. It has now been almost 5 months since the date of the letter and the fraudulent inquiry still appears on my Equifax credit report. I am unable to dispute the inquiry online or by phone. I have sent a letter to Equifax six weeks ago requesting they remove the fraudulent inquiry and they have not yet removed the inquiry. This inquiry likely appears on all three credit bureaus as well and needs to be removed as this was a fraudulent attempt to open a credit card in my name.
Product: Credit reporting or other personal consumer reports

I have disputed the loan balance of my student loans which have been paid in full with documentation to prove it from the Department of Education. TransUnion as of XXXX  has not updated the loan balance on my credit report even though I have disputed it. XXXX XXXX XXXX reported that the investigation of my dispute of the loan balance returned as verified even though the information is completely outdated. XXXX XXXX XXXX verified that the information is accurate even though it is completely wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this collection removed because it should not report on my reports. 

Since it is reporting incorrectly and breaking fair credit protection laws. 

XXXX- Reporting XXXX, XXXX Transunion XXXX Reporting XX/XX/XXXX XXXX  - XX/XX/XXXX But they keep hassling me.
Product: Credit card or prepaid card

I wish to sue Discover about its siding with XXXX over two charges on my bill. Discover sided with a company that falsely advertises its inspectors are certified by a couple of associations, that gave us incorrect information about an obvious issue with an air duct, that doesn't honor its own satisfaction guarantee, that said it would send out both inspectors it has on the 2nd house but only one of  them arrived on inspection day, and that is unprofessional/condescending to its customers. 

Unfortunately, Discover is hiding behind forced arbitration which favors big business. Discover needs to remove forced arbitration clauses from its terms of service.

At any rate, I do not agree to Discover 's forced arbitration policy for my account.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear AARGON AGENCY, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically under XXXX XXXX Missouri statutes .

It has unequivocally come to my attention that AARGON AGNCY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX Missouri state law emphasizes the necessity of consumer consent for credit reporting. Specifically, Missouri Revised Statutes Section 407.020 regarding deceptive and unfair practices underscores the need for fair and accurate reporting of consumer information. Furthermore, identity fraud laws, such as Missouri Revised Statutes Section 570.223, highlight the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for AARGON AGNCY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that AARGON AGNCY immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AARGON AGNCY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

I am writing to express my deep concern and dissatisfaction regarding my ongoing attempts to rectify an inaccurate late open account that persists on my credit report. Despite repeated efforts to have this issue addressed, the incorrect information remains on my credit history, causing undue harm to my creditworthiness and financial standing. 
I have made multiple requests to have this issue resolved, yet the inaccurate information persists in XXXX and Transunion Credit Bureaus. I have enclosed copies of my previous dispute letters for your reference. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to correct my credit report by removing this inaccurate late open account. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and up-to-date credit information, and the persistence of this inaccuracy is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Any supporting evidence that demonstrates the inaccuracy, such as bank statements, correspondence with the creditor, or any relevant documentation. 
I expect a written response from your bureau within 30 days of receiving this letter, in accordance with the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracy, and a revised copy of my credit report reflecting these corrections. 

Additionally, please ensure that you inform the creditor associated with this inaccurate account about the dispute and provide them with the necessary documentation, as required by federal law. I am asking for your immediate assistance to correct this late open account in question : XXXX XXXX XXXX XXXX Balance : {$5900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act inquiries XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I filed a complaint with Experian in regards to a loan account that was a fraudulent account. I sent in all the required paperwork to have the account frozen and blocked from my consumer report. Well as it turns out they never followed proper protocol and the information remained as a result I lost out on a housing deal because of it and they are to blame for failure to do their job properly. They are reporting an account from XXXX for {$7900.00} is in collection but that is not my account and I have disputed this with the company themselves and Experian and nothing was done.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name it XXXX XXXX, i am writing this regarding about discover credit card. In my discover credit there were multiple charges from XXXX XXXX. Those transaction was made between XX/XX/XXXX to XX/XX/XXXX. There were 5 transaction was made total amount of XXXX which i am aware of it. There was a incident happen on XX/XX/XXXX i went to XXXX XXXX  to get something when i got home i didn't have wallet with me. On that time my discover card was in there. then i realize that i may have dropped my wallet at the XXXX XXXX and i was right next day i went to XXXX XXXX and i got my from the master on duty was in lost and found section. After 2 week when i check my credit card i see there was multiple changes form XXXX XXXX. Then i called discover and they assure me that those charges will be taken care of. later they open an investigation from their site. Now after 4 months discover is saying i am reliable for that changes. They said there was other things was purchase at the same day which i am aware of it. they said because i had the card during the purchase thats i am reliable for that changes. Now my question is at that moment of those transaction i wasn't even in the deport. I DID NOT authorize those charges. If discover hold me responsible for those changes they prove that i was physically there. i am 100 % positive they can't prove it because i know i wasn't there at the time of transaction. i did not authorize those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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.