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

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the Equifax breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Product: Debt collection

On XX/XX/2023 at about XXXX I called RentDebt Automated Collections to settle my rental debt with them and spoke to one of their representatives. I asked her two times if by me paying this debt or settling it would it be removed from my credit report. The representative said yes and I quote " You will be able to apply at a new apartment complex ''. On XX/XX/2023 I applied at an apartment complex because my credit reports updated and it stated the collection was paid and closed. The very next day I got an email saying I was denied because I have a collection from an apartment complex so I called RDAC again and spoke to someone else and they said that they don't remove anything and that they have no record of my previous call just the payment. Now I lost out on {$90.00} applying somewhere new and with no hope of getting the collection removed. They are telling people yes it will be to pay the settlement to then say they don't delete it stays on for 7 years.
Product: Vehicle loan or lease

GM Financial XXXX. XXXX XXXX, XXXX, TX XXXX XXXX : CFPB XXXX. In XX/XX/2020 I received a copy of our Retail Installment Sale Contract Simple Finance Charge from GM Financial along with a copy of XXXX XXXX XXXX account payment history. XXXX XXXX XXXX account number XXXX was sent via email directly to our home address included in GM Financial file. Upon, receiving the wrong documents, I called GM Financial to inform them that they sent Ms. XXXX XXXX 's account payment history instead of our account payment history. Again, I stated this in my complaint to CFPB. On XX/XX/2020 I received a call from a Ms. XXXX from GM Corporate who insisted on knowing how I gained access to MsXXXX XXXX XXXX file. More than once I clarified that it was sent to me via mail from GM Financial. It was included with our requested personal documents. At that time, Ms. XXXX apologize for GM Financial error and for sending Ms. XXXX XXXX information along with our personal documents. Ms. XXXX XXXX asked me to discard MsXXXX XXXX 's personal document. MsXXXX XXXX acknowledge that she received all of our CFPB complaints including my cease and desist yesterday to cease communication. We will not be held responsible for GM Financial consumer 's privacy violations of the consumer credit transaction with MsXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my card linked to another customers account. My name is XXXX XXXX XXXX but I receive emails related to another customer and I can not cancel the product. 

I have been trying to work the company to resolve this issue since XXXX. One agent told me to tell my bank to stop payment and wait for the problem to fix itself.
Product: Debt collection

I have tried 2 times to rectify this situation with National Credit Adjustors and they are continuing to blatantly ignore me in regards to the compensation that I am asking them for in regards to ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation. They have also furnished it onto 2 accounts my XXXX  & my XXXX account which is 2 violations which I am entitled to remedy pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ). I am asking National Credit Adjustors to compensate me {$2000.00} for furnishing information onto my consumer report which has ruined and harmed my reputation. If this situation is not rectified as this will be my 3rd time asking for this remedy. I will seek actual damages.
Product: Money transfer, virtual currency, or money service

My cash app account has been security brench XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

During a virtual call with XXXX XXXX XXXX moving and storage to get an estimate for an upcoming move. The sales person stated I would need a special crate for my glass dining room table. He stated the special crate would be built to protect my glass dining room table. XXXX  XXXX XXXX moving sent over the estimate ; which, I was told included the cost of the special crate. On day of the move, they showed up without a crate, and used card board boxes to protect the table. Disputed the charges with All My Sons Moving and American Express, still no resolution. Explained to American Express the charges were not legitimate and came from deceptive and fraud practices. They charged for an item that wasnt delivered as promise and I agreed to the estimate based on them building a special crate to protect my glass table. Which, they did not deliver as promised. Disputed the charges with XXXX XXXX XXXX XXXX and XXXX and American Express credit card company. Still no resolution..requested a refund of {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) 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
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719 1 presume that no proof of the alleged debt, nor therefore any such debt, im fact therefore exists. 

XXXX XXXX BANKRUPTCY XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$2000.00} DEPT OF EDXXXX XX/XX/XXXX {$4000.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$6000.00} DEPT OF EDXXXX XX/XX/XXXX {$3900.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF XXXX XX/XX/XXXX {$1400.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF EDXXXX {$3800.00} DEPT OF EDXXXX XX/XX/XXXX {$1200.00} DEPT OF EDXXXX XX/XX/XXXX {$5500.00} XXXX XX/XX/XXXX {$67000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00}
Product: Debt collection

After going through my recent credit report, I identified several accounts that I believe were added without my knowledge and are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I there are still accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$74.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..XXXX, XXXX 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 card or prepaid card

I am a credit card holder from Union Bank, XXXX XXXX XXXXXXXX, XXXX, TX XXXX. I, In the last 5 years, I have made only one transaction in this account. It was in XX/XX/XXXX for a balance transfer. The balance of {$7200.00} in this transaction was paid in full on XX/XX/XXXX. I have not made any transaction since then and did not activate new cards which means my account was inactive since XXXX. The Union Bank 's statement of XX/XX/XXXX shows that the balance in my account was XXXX. However, in the statement of XX/XX/XXXX, the balance jumped to {$1100.00}. It shows that the Union Bank has allowed a fraudulent transaction to take place in my inactive account. I have written a letter dated XX/XX/XXXX to the bank about this fraudulent transaction but to date there is no response. Also, I called Union Bank on XX/XX/XXXX and spoke to XXXX. He assured me that he would forward my complaint to the fraud div. but to date there is no response. My credit score is XXXX and XXXX  years of my credit history there is not a single missed payment.
Product: Debt collection

Back in 2020 during Covid my identity was stolen and there was some type of charge from XXXX XXXX to my credit in a whole different state. Arkansas and I live in Louisiana. Well I have fought with the company and as well as kept disputing it showing proof that this was not my debt then they sold it to a lawyers office called Myers and McNeils, in another state also its affecting my credit. I have proof that it was dropped for my credit as proof of identity fraud and Im struggling to get it off with this lawyers office. I also have picture proof that they even had one of my numbers wrong on my Social Security, but it has sent them been corrected and I have proof of this statement but its all in pictures so I would have to email them.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I mailed a letter to XXXX XXXX XXXX XXXX account ending in XXXX in regards to their company being in clear violations of 15 USC 1681b - permissible purpose of consumer reports, and how the law clearly states : a In general - subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to who it relates. I wrote them to remove all late payment from reporting to my report as they are inaccurate.

First saving Credit Card company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i )
EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( First saving credit card ) Making the report is not INCLUEDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

They responded that the laws don't apply to XXXX XXXX XXXX XXXX XXXX and they found no Violations. I attached the letter response!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Equifax has not removed these fraudulent accounts after I have submitted all the necessary reports to get them removed. My credit scores are suffering as a result of these accounts still being on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded on several occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for XXXX XXXX XXXX, XXXX, TransUnion, and XXXX to remove the alleged derogatory late payments from XXXX XXXX XXXX that is reporting on my consumer report. I never gave permissible purpose for them to furnish anything on my consumer report without my written permission which is my rights as a consumer pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As well as the violation of 15 U.S. Code 1666b.Timing of payments.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report act this creditor ( Capitol One ) has violated my rights under 15usc 1681 section 602 states tha I have a right to privacy. 15usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15usc 1666b states that a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX
Product: Bank account or service

I filed a dispute on XXXX XXXX, 2015 about a final payment I made to XXXX. This payment was applied to someone else 's account and after I spent many hours on phone and being put on hold, disconnected etc, XXXX actually expected me to go to XXXX to straighten out their own internal problems. I refused. I filed a dispute to get my money back and 3 months later, I still have not gotten any response from Suntrust. I have chatted, emailed, called, and went into bank telling them my credit was now being threatened by XXXX. They did not care. To date, I have received no response so I do not even think Suntrust followed up with XXXX. I sent form from my local branch which I have proof. I called many times since this time and they just act like I should wait 90 days to expect a start on this dispute. I am now being damaged, credit wise, over this because I am not going to keep paying a bill which amount keeps getting changed and added to anyways. XXXX is now saying the credit due to me for my over charge ( which was final straw for me and why I canceled all services with them ) is now not going to be given so I owe more money than the {$93.00} I paid to be rid of them to begin with. I want to file a complaint against Suntrust and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and asked the Transunion and XXXX to do an investigation to make sure everything was complete accurate according to 15 USC 1681i. 

I waited over 30 days and have not had a response from them. Here are my tracking numbers ; Transunion is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 and XXXX is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 These credit bureaus are holding me back from expanding and growing my business. It's very frustrating because these credit bureaus are not following the law.
Product: Credit card or prepaid card

On XX/XX/2019, my car door window was smashed and my purse with my, and my husbands credit cards were stolen. The person who stole the cards immediately went to a XXXX XXXX 12 minutes away and made multiple purchases. We have called Barclays multiple times asking them to remove the charges in the amounts of : {$410.00}, {$610.00}, and {$420.00} ( Total charges at XXXX XXXX within minutes = {$1400.00} ). 

Barclays refuses to remove these charges from our account, saying they are valid, even though we have surfaced a police report. Regardless, Barclays says we need to pay this and the interest on this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I purchased a vehicle from Auto Now Financial Service Company. I was never late on my payments the car was totaled in an auto accident in XX/XX/2016 and was paid in full by XXXX XXXX XXXX paid directly to Auto Now Financial. I attempted to purchase another vehicle from Auto Now Financial although this was done at a different location owned by the same company. The car I was trying to purchase had front axle damage. I reported this problem to the dealership within the first five days. The dealership stated " how do you know it is axle damage? we do not cover tired damage '' I again informed them I took the car to a mechanic who informed me it was axle problem and the car was unsafe to drive. The dealership had previously removed two locking bolts from the two front tires prior to me taking the car. I informed the dealership that I did not want this vehicle and they refused to take it back. The car sat in my apartment complex for three weeks before the dealership showed up with a tow truck to take it. I never gave them a down payment and never made a monthly payment for this vehicle. Auto Now Financial has since reported on my credit report that I did made two payments one in XXXX and one in XXXX of 2016 although their report does not show amounts. They reprocessed my original loan that was paid off by the insurance company as a transfer to the account now listed on my credit report. This was done without my consent or my knowledge. I just found out today of this action. I have never been able to purchase another vehicle since they have done this. Auto Now took the vehicle back and resold it although they have still been reporting as late on my credit report
Product: Credit card or prepaid card

I opened a new credit card with First National Bank Of Omaha a few months back. On the first statement, I owed {$1100.00} but mistakenly only paid {$1100.00} ( I shorted them {$19.00} ). On my second statement my purchases came out to {$1100.00} + {$19.00} = {$1100.00} Which was paid in full ( The statement did not show I had owed more ). On my third and most recent statement the credit card  company charged me {$77.00} in interest from an unpaid amount of {$19.00} from the first statement but was only made aware of it on the third statement. 

When I called to see if I can have this waved I was transferred over to a supervisor that was very rude and said that it was a valid charge of {$77.00} on a {$19.00} balance that was paid 20 days late. I had asked her if I could speak to anyone else that can address this or who can I contact to complain and her exact words were " I'm not going to educate you on who to complain to! '' I also asked her for her information so I can name her in this complaint and all she would give me is XXXX XXXX. I had asked her if she can give me her full last name or supervisor ID # and she refused.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage at XXXXXXXX XXXX opened on XX/XX/XXXX account number XXXX, a personal loan account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX XXXX opened on XX/XX/XXXX account number XXXX, Utility account opened at XXXXXXXX XXXX  opened on XX/XX/XXXX, a insurance account opened at XXXX opened on XX/XX/XXXX, XXXX account opened on XX/XX/XXXX. This hard inquiry XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.