23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello there, I tried for months to get into my equifax account online, and throght the app. i made a thousands of calls and nobody can solve my problem. Is almos timpossible to get into my account even if i verify my identification every time. 

i need to know equifax is going to solve my problem. due i read a XXXX of reviews of other people having the same problem. i know is not the advisors fault because i have friends who can access pretty easily and with no inconvinience to the website. Equifax is the only credit agency who i have this problem. the other XXXX ( transunion, experian ) i can acces normal. 


hope you can help me with this situation. 

Thank you in advance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX/2016 I GOT LETTER FROM RCS STATING THAT THEY ARE REPORTING TO ALL BUREAUS, WHEN IN FACT ARE NOT REPORTING TO XXXX, THUS VIOLATING THE F.C.R.A. AND THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Product: Debt collection

Medical Revenue Services are attempting to collect on multiple debts that are either not mine, invalid and has reached the statute of limitation for collections
Product: Mortgage

We did a refinance and credit cards were added to the payoff without our knowledge. So for 2 weeks we have tried to contact 2 different people that we worked with. Nobody has helped us or returned our calls to fix this. The title company sent 3 checks. For these payoffs, problem being they are/were already payed off and we had no knowledge of them being included on the loan we were never told. Now we have 3 checks sitting in the house that we cant do anything with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX ( Account Number Unknown ) has violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX, Transunion, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, BEST B, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX and they said the loan amounts are correct but when you look at the XXXX, XXXX and Transunion website the totals are incorrect and not updated to reflect the amount of debt we have paid off. Thus we were forced into a loan percentage rate that was higher. Which will end up costing my family thousands to the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX again and I demand that the Credit Reporting Agencies take immediate action on this CFPB Complaint. Credit Reporting Agencies better remove all fraudulent accounts and information from my Credit File in compliance with the Fair Credit Reporting Act section 605b. I just got my credit report, and to my disbelief, there are still multiple accounts on there that I did not open nor have any knowledge of. Let me make this crystal clear - these accounts are fraudulent, and they need to go. I need the following accounts removed as soon possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that I did not authorize anyone to open these accounts on my behalf. It's pretty obvious that this is a case of identity theft, and I am currently taking measures to report this to the authorities. If the Credit Reporting Agencies have any evidence to suggest that the disputed accounts and information belong to me, I demand that the Credit Reporting Agencies present it to me immediately. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.
Product: Checking or savings account

There was an unauthorized transaction on my account for {$1600.00} tried to dispute it an Chime denied my dispute.
Product: Student loan

Contact Navient about loan which was from 2001, statues expires, got no more than XXXX in loans, they say I 0we XXXX. They garnish my last 4 years of tax returns. Also I included in my bankrupty adversary was included for loan. Sent them a copy of bankruptcy discharge, they would not accept.
Product: Credit reporting or other personal consumer reports

I contacted XXXX approximately around XX/XX/2023  for the second time and demanded the following transactions be excluded from my consumer report because they violate my consumer rights based on the FCRA. 

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 The following codes below support my request to have the items above excluded from my consumer report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) 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 ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Company charged me a {$10.00} fee for not meeting the minimum balance requirements even though as soon as I opened the account I gave the information to my old bank and did a transfer in to the new bank as soon as they finished adding the account to their system, I couldnt possibly have gotten the money in earlier since moving money in America into savings accounts sucks
Product: Credit card

I received an email from XXXX saying they received an order for a product and were getting ready to send. Since I never ordered anything, I assumed the email was spam or may have been a hacker. But then, I received an email saying the order had been shipped. I looked at my bank account to find that two fraudulent charges each for the amount of around {$2000.00} each for had been made for the same product. 

I contacted XXXX, who told me to contact my bank. I contacted my bank BofA. They removed the charges. A few days later I received a call from an agent at XXXX who was tracking the case. I have a transcript of their initial voicemail. I spoke with them later and they said they were able to retrieve the item. I had let everyone know there were two fraudluent orders made for the same item. 

I found out today that the BofA is now charging me for one of the {$2000.00} fraudulent charges because XXXX says is was delivered to me by XXXX XXXX. I have the tracking number which shows it was delivered to XXXX, not me. I never signed for anything and never authorized anything. I have been with BofA for over 40 years as a valued client. I am not paying for something I never ordered. I can provide you with everything I have. The bank re-opened the claim, but won't speak with me about this. What an outrrage. I also reached back out to XXXX who again said to work with the Bank. 

I went back to the XXXX website and located a proof of delivery for the item. It's just a print out which was not signed for be. It has the words typed XXXX on it. That's not me.
Product: Credit card

I earned around XXXX travel rewards points by using XXXX card for purchases. XXXX is telling me that all those points expired 90 Days after their breakup with Costco. Those points were earned an I do n't think XXXX should be able to forfeit this with such a short time frame and without Noticing its point holders
Product: Credit reporting or other personal consumer reports

Dear [ EQUIFAX, XXXX XXXX and XXXX ], I am writing to bring to your attention inaccuracies on my credit report. After carefully reviewing my credit report, I have identified discrepancies in my personal information, specifically my name and address. I have previously contacted your agency to request corrections, but to date, no action has been taken. 

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681e ), any person who willfully fails to comply with requirements under this subchapter is liable to the consumer for damages. The Act outlines that a consumer is entitled to actual damages sustained as a result of the failure or damages not less than {$100.00} and not more than {$1000.00}. 

Additionally, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Once notified by the consumer, the furnisher must cease reporting the inaccurate information until it can be proven valid. 

I have attached an image of my driver 's license, providing accurate information for correction. The current information on file, including the address, is non-mailable. I request that you promptly update my credit report with my correct and current mailing address and name. 

Your immediate attention and compliance with the Fair Credit Reporting Act are necessary to rectify this matter. Failure to do so may result in legal consequences for your agency.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX, I mistakenly sent {$750.00} to a wrong account via XXXX : It turned out that I made a mistake in the phone number, a typo ; instead of XXXX XXXX, I typed XXXX XXXX ; and surprisingly, both account holders have the same name or so it seems. So, I immediately called Wells Fargo and explained the situation. I was told they were going to dispute the transaction and that it would take up to 10 days to get it resolved. Finally, on XX/XX/XXXX I received a letter stating that " no error occurred '' and that the claim was closed ; I was told the same thing on the phone. 

I certainly hope very much you can help me with this! It was rent money.
Product: Debt collection

The original debt holder had 60 days to properly file this claim with my insurance. Prior to receiving services I was advised the cost outside of co-pay would be covered by my insurance. These services were only accepted because of the information provided by companies authorized personal.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX credit card account was disputed and removed from my account and they keep putting it back on. The account was an application through XXXX that XXXX kept charging me for things I did not receive. I complained to XXXX and I was locked out of my account. Services were still not received.
Product: Credit reporting 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. 
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
Product: Debt or credit management

XXXX third company debit collectors keeps reporting to credit bureaux. Needs to be deleted removed from credit file and to stop reporting to credit agencies bureaux!!! They are denying request for up front money!! Half off.
Product: Money transfer, virtual currency, or money service

ON THE XXXX OF XX/XX/2021 USAA FEDERAL SAVINGS BANK LOCKED ALL MY BANK ACCOUNTS DUE PREVIOUS ACTIVITY WHICH WAS CONSIDERED FRAUD. THE BANK LOST NO MONEY AND MY ACCOUNTS FINED ACCORDINGLY. THEY INFORMED ME I COULD NO LONGER BANK WITH THEM. CURRENTLY THEY ARE WITHHOLDING {$4200.00} OF MY XXXX XXXX XXXX. THEY SAID THEY WILL NOT RELEASE ANY FOR 60 DAYS. THIS WITH HOLDING OF MY FUNDS IS NEGATIVLEY EFFECTED MY ABILITY TO PAY BILLS AND MEET MY FINANICIAL OBLIGATIONS. I HAVE REQUESTED THAT THEY TRANSFER ALL MY REMAINING FUNDS TO MY OTHER BANK. TO DATE THEY HAVE REFUSED ME ANY ACCESS TO MY FUNDS,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect addresses and incorrect employer. Listed on my credit report is XXXX company as my employer and I HAVE NEVER worked for XXXX as a XXXX XXXX HOWEVER- I had a roommate who used to work for XXXX XXXX Somehow that employer ended up on my credit report as verified the same month and year XX/XX/18 that we applied for a car loan. I have disputed the information and they refuse to remove it. 

There are several incorrect variations of my address listed on my credit report. I have communicated the incorrect addresses and they will not remove them. 

This incorrect information causes lenders to doubt / deny my applications for credit due to the employer and line of work is not matching and the address not matching. 

IF I NEED TO BRING LEGAL ACTION AGAINST TRANS UNION, I WILL. This incorrect information causes lenders to doubt my applications for credit.
Product: Money transfer, virtual currency, or money service

Im trying to authorize purchases from XXXX and td bank is not allowing it
Product: Mortgage

XX/XX/2021 awarded forbearance for 180 days with no late fees, charges or amount owed back during time or forbearance. My credit report states I missed my payments XXXX XXXX XXXX The payments due were {$0.00}. {$0.00} was paid. Yet I am reported late and delinquent for those months. Also, all those months during forbearance the accrued amount has been added up and on to my total mortgage loan amount. In the statements it says no interest fees will be charged ; no amount will be added or need to be paid back yet every month they charge me or add on to my total. This is misleading and falsified information. Now XX/XX/2021 I am on a loan trial payment that is less than the monthly amount reported on my account and was paid in XXXX but not changed or updated on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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. 

Account name : XXXX XXXX  Account 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 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: Payday loan, title loan, or personal loan

I was going through a financial hardship and I needed to make a payment arrangement for payment. So on XX/XX/2022, I called RSVP loans and asked to speak to my account manager, I was transfer to XXXX I the collections specialist for RSVP loans. I explained to her that I know I was one day late and I needed a payment arrangement. She was very rude and told me that she was the one who could approve or deny a payment arrangement and that they were going to take legal action against me ( and I was only a day late ). She also stated that i was 30 days late which was not true, the last payment I made was on XX/XX/XXXX. I was never notified that I had a new account manager. I then called a customer service representative and he set me up with a payment arrangement.