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

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any ITEMS or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$45.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They Wasnt Supposed to pull my credit
Product: Debt collection

This was a XXXX bill that at least over 8 years old. They say that their client 's name is US Asset Management , Inc. EOS CCA and US Asset Management , Inc are the same company. 

I disputed the debt and it is still on my credit report with XXXX. 

XXXX ( XXXX, IL ) was trying to collect on this debt before. My guess is that they sold this after it went beyond the statute of limitions on collecting a debt.
Product: Credit card or prepaid card

Transaction for on XX/XX/20 XXXX XXXX in the amount of {$150.00}. Advised company transaction was not authorized. Representatives are extremely, rude, and unhelpful. Number called XXXX s/w XXXX at approx. XXXX XXXX  on XX/XX/20. Refused to provide a supervisor and the number to corporate.
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. XXXXXXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX, XXXX Account # 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

My name is XXXX XXXX and the last four of my social security numer is XXXX. I recently was denied for an apartment. I received my Tenant Screening Report and was appalled that Transunion Tenant Screening is reporting fraudulent information that do not belong to me. Did you confirm my full identifiable infortmation as in my full social security number, my full date of birth and my personal identification? You must not have because you would not have posted this information in my consumer file. You are reporting XXXX evictions under XXXXXXXX XXXX XXXX XXXX XXXX SEARCH and they are the following : Case # : XXXX Plaintiff : XXXX XXXX XXXX XXXX, Case # : XXXX Plaintiff : XXXX XXXX and Case # : XXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED IN THOSE PLACES. I have attached with this complaint a copy of my FTC Identity Theft Report. The Federal Credit Report Act Under 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have attached with this complaint a copy of FTC Identity Theft Report. Also 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CONSUMER FILE WITHIN 4 DAYS OF RECEIVING MY IDENTITY THEFT REPORT PER FEDERAL LAW. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the accuracy, privacy, and fairness of credit information. Violations of the FCRA can lead to civil penalties, including monetary damages, for those found to be in non-compliance. if a consumer can prove that a credit bureau 's violation of the FCRA was " willful '' ( reckless or knowing ), they may be eligible to recover damages. These damages can include Actual damages, Statutory damages : Between {$100.00} and {$1000.00} for each violation, Punitive damages : Based on the harm caused by the violation and what would be needed to deter similar violations in the future. I am a litigious consumer and one of the FCRA violations I can fie a lawsuit is your Failure to Delete inaccurate information. I have attached a copy of my passport for identification purposes as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through the XXXX website to request my free credit report from all 3 credit bureaus. I had not received any credit report this year. The 1st company I requested my credit report from is Experian. After I view and saved my experian credit report, I opted to get my experian credit score as well because it was advertised for {$4.00}, and before my credit score was displayed another message from experian offering to provide me with the credit scores for all 3 credit bureaus was offered, however no price was displayed, so therefore I assumed the 3 credit scores were at no additional cost. To me, my assumption seems reasonable, as I thought perhaps Experian is competing with XXXX XXXX XXXX. Therefore, I opted for all 3 credit scores from Experian. About 2 minutes after I viewed my 3 credit scores and logged out of the Experian website, Experian emails me thanking me for the {$40.00} I paid to get all 3 credit reports and all 3 credit scores.

To me this borders on fraud by Experian. I would never pay for all 3 annual credit reports that are free for me, moreover I would not pay {$40.00} for 3 credit scores when I know all 3 credit scores purchased separately would cost less than {$20.00}.

Experian seems like such a dishonest company, desperate to cheat the public to make ends meet. Why would such a company be the custodian of personal credit information and social security numbers? It seems to me that this sort of dishonesty could lead to Experian secretly selling consumer information to others that have a need for it. Experian is NOT a company to be trusted with this level of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX issued a credit card to a thief in Florida. I live in NJ, never live in FL. After I called XXXX, I faxed a file and sent 2 mails to dispute it. the documents included NJ driver license, home equity loan bill with NJ property address, and my NJ utility bill to prove that I never live in FL. XXXX did not have any response. I hired a lawyer to send similar document to TransUnion & XXXX in XX/XX/XXXX and XX/XX/XXXX. These 2 companies completed investigation without any change. XXXX  even did not remove all of FL addresses generated by thief. Even credit unions ' report along shows 3 evidences that XXXX and the 2 report companies did poor job. 
1. Credit report shows 2 reports from XXXX for the same fraud account. One report shows every payment is OK. The other one shows 4 late payments. Two reports show opposite results. 
2. The account had more than {$3000.00} balance in XX/XX/XXXX. I don't think that the thief would pay the balance. The balance is XXXX since XX/XX/XXXX. XXXX was cheating on this balance. 
XXXX. XXXX 's report made credit union companies believe that I paid off the balance, so that the fraud account belongs to me.
Product: Checking or savings account

I checked my business credit report and it shows that there are 2 capital one credit card accounts linked to my name but I only have one capital one business card. The account in question ending in XXXX is not mine. My capital one credit card balance is XXXX $ and they are saying its another card linked to my name that is not mines and considered identity fraud please have said account deleted from my business reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

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

15 U.S.C 1681 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XXXX, I sent a wire transfer in the amount of {$38000.00} to a beneficiary at East West Bank and we made an error on the account number. The bank where I sent it from, XXXX Bank in XXXX, Florida has sent over four recall requests through the wire system since XXXX and the funds have not been returned. My bank has also called many times and requests have not been answered. It is now XXXX and East West Bank have held my funds almost one entire month without returning them. The funds should have never been credited as the beneficiary and account number did not match. We request our funds be sent back immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, a new hard inquiry was added to my credit report from Citi Bank. I did not try to open any new accounts with Citi Bank. I called them directly, and when searching my social security number, they have no record of me or my social linked to any open account or active application. As of XX/XX/XXXX, there are still no active accounts with my information.
Product: Debt collection

Cain and Weiner claim I owe XXXX to XXXX for an insurance policy that appears to be either duplicate or fraud. They previously sent me a notice about a Progressive policy, however, they amount they were seeking is much higher. They claim they stopped collection efforts but have now sent me a notice looking for XXXX. My vehicle was totaled and no longer in possession of it, motor vehicle is aware and plates were canceled. I have not been in possession of vehicle since on or around XXXX. XXXX was told to cancel, however, it appears the rep ( s ) did not do so. Again, I believe they are referring to a previous policy which Cain and Weiner previously agreed to stop collection on
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company by email but have not reviewed any response ... 

I have a personal loan with the lending club, when covid happened I lost my job they worked with me but increased the amount that that i owe by about {$3000.00} attaching on extravagant interest, I still continue to pay.. I contacted them and asked them if I could defer a payment they stated yes, but it would cost {$900.00} to do so on only ( one {$380.00} payment ) so I said no I can not afford anymore internet, I will attempt to pay and they stated on a recorded line as long as i pay my regular monthly payment each month even if it is 30 days behind they would not be reporting late to credit bureaus due to job loss and covid ... however yesterday, XX/XX/2021 they reported to each bureau that i am 30 days late to all my credit bureaus even though I am paying as I said I would ... they lied! Destroying the credit I had worked so hard to build back up!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked XXXX to remove/delete outdating information in my credit file. I have submitted to them a copy of the report that they themselves have sent to me clearly indicating the first delinquency date of XXXX therefore making XXXX XXXX years and yet they continue to do nothing, continue to drag their feet and continue to clearly report inaccurate and outdated information which is a clear violation of the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a Bankruptcy from my consumer report because, I notice some inconsistent data points being reported. 

1. As reported, the item US Bankruptcy Court does Not have an exactly matching Data Furnisher/Creditor Contract address location. XXXX shows ( U.S Bankruptcy Court ), XXXX ( US Bankruptcy Court GA XXXX ) and Equifax ( Federal ). 

2. The date filed and reported shows XX/XX/2022 with XXXX and XXXX but shows XX/XX/2022 with Equifax. 

3. The reference for XXXX is ( XXXX ), XXXX ( XXXX ), and Equifax ( XXXX ) which is Inconsistent as well. 

4. XXXX and XXXX Reports a closing Date of ( XX/XX/2022 ) and Equifax reports nothing. 

I am not disputing the bankruptcy because of verification purposes, I'm disputing the bankruptcy because of the wrong information being collected by each credit reporting agency, causing this bankruptcy to be inaccurate.
Product: Debt collection

They keep calling me and I call back and no one picks up. I am not sure why they are calling or for what reason. Have not received any written communication or anything.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am repeatedly being called while at work, and we are not allowed to take these kinds of calls on the clock or at work in general. I told the gentleman I was speaking to that I could not accept his phone call at work and that he would have to contact my cell phone. I spoke with him on my cell phone about the issue and he keeps reeatedly calling my work after asking him to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I lost my job in XXXX they offered me a payment arrangement but I would have to close my account and the minimum payment would be {$25.00} for 12 months with a lower interest rate. I set up auto pay with a bank account but I had a fraud issue so I closed the bank. I CHANGED THE ACCOUNT INFO. I opened a Wells Fargo bank account so the auto pay would come out directly. I explained to the XXXX XXXX XXXX  On XXXX location and they reassured me it would all be set up. The bank did not set it up and I pay the {$25.00} AS AGREED and every month it is higher saying Im behind now putting it on my credit saying past due over 90 days! I have called and cant speak to this department because I now work Im an essential worker and the hours i get off they are closed. I called early XXXX AND XXXX and got transferred 5 times put on hold and disconnected. They sent letter finally but no resolution past XX/XX/XXXX. My credit is still messed up. Plus they put on my credit that grantor closed the account. I agreed to close the account I said I want to close it and go on this payment arrangement they make it look like Im not paying and they closed my account. Im going to close my bank account now. Im furious They make mistakes. Im lied too. The bank associate opened my bank account and says my certified checks are free. The first one I do they charge {$15.00}. The rep calls me he made a mistake about my address in my profile and my account will be closed if not fixed. I tell him the issue and he never corrects it. The credit card company and the bank both constantly make mistakes and dont fix them.
Product: Credit reporting or other personal consumer reports

IN THE MATTER OF XXXX XXXX XXXX NOTICE AFFIDAVIT OF FACT : NATIONALITY STATUS AND IDENTITY THEFT For the record, I am XXXX XXXX XXXX XXXX, a natural person, in full life, in propria persona, XXXX XXXX. My nationality/ citizenship is XXXXXXXX XXXX, being an aboriginal and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, and a foreign national inhabitant near corporate XXXX XXXX, Florida republic. I come now making, a special appearance as an authorized representative, ex-rel.of the artificial corporate person nom de guerre XXXX XXXX XXXX XXXX XXXX 
NOTICE OF FACTS I am a XXXX XXXX  XXXX, domiciled at XXXX XXXX XXXX XXXX XXXX XXXX Florida republic [ no zip code ] My date of birth is XXXX. The Social Security Number ( XXXX XXXX ) has been made public without my consent, constituting a severe breach of my privacy and potential identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. The FTC Report number is [ FTC REPORT NUMBER ]. On XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX acting as Chief Executive Officer ( CEO ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, requesting the blocking and removal of fraudulent information from my consumer report. I have explicitly requested the removal of the following fraudulent account from my credit report :
Product: Checking or savings account

On XX/XX/XXXX a fraudulent check withdrawal occurred in XXXX XXXX, California and took {$3000.00} out of my account. I called Chase Bank immediately because I am located in Illinois and I did not authorize this transaction. On XX/XX/XXXX I was instructed to wait until the transaction was no longer pending. On XX/XX/XXXX I call a chase representative and was told a claim is put in and I gave the representative all of my information. On XX/XX/XXXX later that day I visited a Chase bank and had a scheduled meeting at XXXX. At that meeting I was told that there was not in fact a claim put in for my account. I was told that day by the banker that a proper claim had been filed. I called on XX/XX/XXXX and was told that my claim was approved and I would have my funds in 3-5 business days. I called back on XX/XX/XXXX and was told that the investigation was still ongoing. On XX/XX/XXXX I called again and was told by the supervisor I do not know what is going on with this, we will have to wait and see. On XX/XX/XXXX I was told by a customer service representative that I would have my funds by XX/XX/XXXX. Today is XX/XX/XXXX and I have not received my funds nor any correspondence from J.P. Morgan CHASE regarding the {$3000.00} that they allowed to be stolen from my account. Today XX/XX/XXXX I went to a Chase Branch for an update and I am now being told my claim was approved 8 business days ago and they have no answer to why I have not received my funds. I believe because I am young and XXXX American they did not take my claim seriously and the first person I spoke to laughed multiple times regarding my issue. I believe that I have been treated unfairly and below what the protocol is in situations like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information? XXXX with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses o? my reports, as they are not deliverable to me by the U.S. post o? ce, and they are not reportable as per the FCRA, since they are inaccurate.
Product: Bank account or service

XXXX the XXXX i had some Account fraud XXXX withdrawals of XXXX. Called Capital one they said they can help me out and most of the fraud was turned over. I would however need to get new account numbers and my account has been locked to prevent any additional fraud. I was ok with this and made sense. However it is now XXXX and I do not have access to my account I called Capital one to get a status. They said after verifying my identity over the phone that after an internal investigation my account has been locked and i can not open any more accounts with Capital One. I had to call capital one to get a status and they have not given me any way to get my money back or any way to prove i am who i am.
Product: Credit reporting or other personal consumer reports

I have previously disputed these items with Experian and they did not resolve the issue. I relation to the recent judgment by the CFPB against Experian and their negligence to investigate and correct inaccuracies, I am demanding they remove the negative account from my credit report. I have enclosed my identification and lettter.