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

In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt. 

This information has has violated my rights under the FCRA. This has caused XXXX XXXX, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken to equifax about these unauthorized inquiries from XX/XX/XXXX, XXXX and XXXX of XXXX and also XX/XX/XXXX on my credit report 3 times, and they refuse to remove them. There is also a duplicate inquiry from XX/XX/XXXX that I tried to tell them about today, XX/XX/XXXX, and They are trying to tell me that they are factual based when I know that I'm not the one who authorized them. I reached out to each company as of XX/XX/XXXX and they asked me have I put in any applications online and advised them that I had not. They said they were checking their systems and neither of them had any record of why there would be any inquiry as i do not have any new or open accounts nor applications on file with them. They advised me to reach out to equifax because it could be a " promotional '' error and so I gave them a call and they refuse to assist me telling me there is nothing they can do. If this is not the case of an error then equifax is allowing fraudulent activities to occur on my credit file and improperly selling my information to people without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.
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 U.S.C 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an account from XXXX XXXX being reported as charged of and a collection account from XXXX XXXX  as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe XXXX XXXX  is trying to collect on an account I don't owe. 
XXXX XXXX  needs to send validation that this my account, and same with finger hut. Transunion and XXXX needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under XXXX XXXX. 
if this problem is not resolved through this report, then I will have to file a fraud affidavit against XXXX XXXX for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.
Product: Debt collection

I contact professional credit services ( XXXX XXXX ) in XXXX of 2023 the about is for {$12000.00} please remove this from my XXXX XXXX and XXXX its a medical bill this account is illegally and reported on my credit reports this collection is violating my privacy and also XXXX I would like for this account to be removed from my credit report please they also dont have the right to have this collection and the wrong dates or on there please remove this in with in 30 days. 
I also have other one of medical bill from puget sound collection ( XXXX XXXX ) for {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Product: Credit card

I signed up for a Nordstrom card because the store would not give me the sale price unless i had the card. I never received the card but got a phone call in XXXX 2016 to make the payment. I agreed to pay, and provided my XXXX checking account information. I understood that Nordstrom will take the money from the account. But i receive a collection call in XXXX stating that i owed a balance of $ XXXX+ becuase of penalties for non-payment. The agent told me that they had only taken {$38.00} payment for XXXX account instead of the the full balance that they previously offered to take over 3 months XXXX each. I offered to pay the balance, but they would not waive any penalties. 

So now have XXXX % penalties on a small purchase of less than XXXX. I dont understand why Nordsrom can charge the penalties when they have my bank account to withdraw the payment each month. I guess they make more profit by threatening me to report to credit agencies .... which has not ruined by credit too.
Product: Debt collection

This is part of Previous Complaint # XXXX. XXXX/XXXX has me to a 3RD Collection Agency. SouthWest Credit Systems of XXXX, Texas, as of XX/XX/XXXX. XXXX of XXXX IL, and XXXX XXXX of XXXX, Texas, have BOTH sent me letters stating they are Satisfied with my responses and will Cease further Collections. As of XX/XX/XXXX, my Credit Score went from XXXX, to XXXX. I spoke to XXXX of XXXX  at XXXX. She stated XXXX wants my COMPLETE Social Security #. My Attorney says NOT to give it to them. I have provided Copies of Old Drivers Licenses going back to XXXX. I also gave them a Copy of my XX/XX/XXXX XXXX XXXX ID. I have worked for theXX/XX/XXXX XXXX since XX/XX/XXXX. I mailed ALL the copies to XXXX XXXX XXXX, Fraud Dept. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, New Jersey, XXXX. This is has been following me since XX/XX/XXXX. This needs to STOP.
Product: Mortgage

On   XXXX   XXXX   XXXX     I have the documentation from the title company stating the release of mortgage and the payoff amount of {$32000.00} to  Ocwen loan servicin g the title company was   XXXX   XXXX   XXXX    XXXX  New Hampshire since then every month  Ocwen loan s ervicing has reported a delinquent or non payment to my credit report even though they have been paid off in full and the house has been sold for a year in addition for a month afterwards they attempted to take money out of my bank account even though they had been paid in full and the house was sold
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding significant concerns over potential violations of privacy laws and insufficient disclosure of consumer opt-out rights. These issues, along with inaccuracies in reporting, raise serious questions about compliance with federal regulations. 

Primary Concerns Insufficient Disclosure of Opt-Out Rights XXXX appears to lack adequate disclosure of consumers ' rights to opt out of information sharing, as required under 15 U.S.C. 6802 ( b ) & ( c ) and 12 CFR 1016.7. Proper disclosure is crucial for informed decision-making, and its absence undermines transparency.

Potential Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681, XXXX must ensure fairness, impartiality, and respect for consumer privacy. Concerns include : Section 602 ( a ) : Protecting consumer privacy.

Section 1681c ( a ) ( 5 ) : Prohibitions on adverse information reporting without proper authorization.

Potential Violations of the Privacy Act of 1974 TransUnions privacy notices indicate potential non-compliance with privacy practices outlined under the Privacy Act of 1974, 16 CFR Part 313, and 16 CFR 433.2.

Identity Theft Concerns Protecting personal information under 5 U.S.C. 522a is critical. Any misuse of identity constitutes a serious federal violation. 

Reporting of Transactional Information Congress prohibits financial institutions from reporting certain non-public consumer information under 15 U.S.C. 6801. XXXX potential violations necessitate investigation. 

Accuracy in Reporting Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), XXXX is obligated to furnish accurate information. Inaccurate reporting breaches consumer trust and federal law. 

Accounts in Question I believe the following accounts violate my federally protected privacy rights and must be updated to reflect accurate statuses, including " paid as agreed '' and " current '' : Account Name : XXXX XXXX : {$7300.00} Date Opened : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Balance : {$570.00} Date Opened : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Balance : {$29000.00} Date Opened : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Balance : {$6500.00} Date Opened : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX Account Number : XXXX Request for Action In light of these issues, I respectfully request that XXXX : Update all the above accounts to reflect paid as agreed, current, and open/never late status. 

Correct all inaccuracies in my credit report and mail me a copy of the updated report and credit file, reflecting these revisions. 

Provide documentation outlining XXXX policies regarding consumer opt-out rights, as required by law. 

Thank you for addressing these concerns promptly. I expect written confirmation of actions taken within 14 days from the date of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

XXXX XXXX XXXX  XXXX. XXXX, XXXX 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 rest below were pulled off my Trans Union credit report that I am unaware of. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express is engaging in fraudulent billing practices. I paid off the full " Adjusted Balance Due '' on my account but my account still shows unpaid " Adjusted Balance Due '' and " Minimum Payment Due ''. Note the adjusted balance due is always higher than the minimum balance. The adjusted balance due is the balance that must be paid to avoid interest, fees and penalties while the minimum balance due is the amount due to avoid fees and penalties. 

I reported this to Amex on three separate occasions but they continue to ignore the issue.
Product: Debt collection

The company FMS Investment Corp. XXXX informed me that I would be participating in the Loan rehabilitation program which would reduce fees and costs associated with the transfer of the loan to their company and take away any interest accrued. I have been dealing with this company since XX/XX/XXXX, all the paperwork I have received has said that I was in this program, and I have talked to several employees there of which multiple have informed of the above stated information. Today on XX/XX/XXXX I was informed I was not in the program and none of the above mentioned services would be provided. The information I have been receiving was false and extremely misleading. I informed them that if I would have known this I could have paid it off sooner rather than it gaining interest that I would end up paying back. They stated they were sorry of the misinformation.
Product: Bank account or service

Back in 2013 my account was closed by your company. I was not given a good reason but I expect that is was due to the chargebacks. In 2013 I had my identity stolen and majority of my card numbers compromised. This was a nightmare for years to follow. I had to file police reports, have a notorized copy of FTC, and have my credit report frozen. Since then my accounts have had no more fraud, my credit still remains frozen because i am scared of unfreezing it. Now Chase treats me like a victim and will not allow me to have an account. They simple state that we do n't have to let anyone open an account if we do n't what to for any reason. This is not right!!! I did not do anything wrong and once more I am the victim. Please have someone help me. They are required to give me a satisfactory answer!! THis is not right and everyone at the exceutive office wont help me!
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I noticed on my Equifax credit report that accompany known as XXXX XXXX that provides personal loans opened up to new personal accounts on my Equifax credit report which knocked my credit score down by XXXX XXXX. These XXXX XXXX personal loan accounts were closed back in XXXX when I filed XXXX  XXXX bankruptcy. Looking further on my credit report, these accounts are showed as being closed. Yet XXXX XXXX went ahead and re-introduced them on my Equifax credit report showing them as open. This is absolutely false information and two years later they decide to put these XXXX XXXX XXXX personal loan accounts onto my Equifax credit report? No other account that I had closed due to my bankruptcy has done that. So two years later after early XXXX when the XXXX XXXX accounts were included in my bankruptcy XXXX  XXXX and were closed all of a sudden now theyre re-adding them on my credit report as open? This is incorrect and unfortunate and has greatly harmed my credit score by dropping it XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I discovered the following accounts listed as charge offs : Creditor Name Charge Off XXXX XXXX XXXX XXXX {$2300.00} XXXX {$6200.00} XXXX {$6000.00} XXXX XXXX XXXX {$6800.00} XXXX XXXX {$10000.00} XXXX XXXX {$16000.00} XXXX XXXX {$550.00} Since these accounts have been classified as charge offs and are reported inaccurately, I am requesting they be deleted from my credit report in accordance with 15 US 1681 e ( b ). The Internal Revenues classifies charges offs as ordinary income, and the creditor or lender is required to furnish a form1099-C ( copy b ) to the consumer ( I have not been in receipt of any form 1099-Cs from all accounts listed ). Since income is not reported on consumer credit reports, I am requesting the accounts to be deleted from my credit report as a result of the debt being canceled. This information is impacting my credit report negatively and my security clearance with the XXXX XXXX  XXXX. Requesting the information to be deleted. Thank you for your support and time in this matter.
Product: Credit card or prepaid card

I just called to open up a dispute. And the young lady never said my card was going to be turned off. This is the only money I have access to PERIOD. This is absolutely ridiculous. She asked if anyone else has access to my card. I answered no. I explained I wanted to open a dispute because I placed and order. Paid almost a XXXX to get delivered in 3 days. It's now 7 days. She never once said. My card was being deactivated. Understand I have not one dollar. All my money is on this prepaid card with NetSpend XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/22
Product: Credit reporting 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 Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was aware of this fraud account on my credit XXXX of XX/XX/XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXX XXXX XXXX, account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or any of the other addresses listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are  being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : Equifax and XXXX  2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  3.  AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : Equifax, XXXX   and XXXX  4. Account Name : XXXX XXXX   XXXX Account Number :XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : Equifax and XXXX
Product: Money transfer, virtual currency, or money service

First dispute was XX/XX/2021 : I had gotten an unauthorized transaction made on my account and a chatbot had responded saying he would connect me to an advocate. When I told them I didnt make this transaction that advocate told me to fill out a form of dispute. Okay. 

Next dispute was XX/XX/2021 : I had gotten another unauthorized transaction made on my account from XXXX XXXX contacted the chat supports and it made everything so hard to explain I just wanted to talk to someone on the phone about this. It took 30 minutes for me to reached with an advocate through text. They told me to reach out to the merchant which I did but unfortunately didnt get my money back. 

Next dispute was XX/XX/2021 : another transaction was made from XXXXagain Fast forward to XX/XX/2021, another transaction through XXXX  was madeI had asked them why it hasnt been flagged already since this was the third time it happened!! Once again the advocate asked me to submit a form. All I wanted was to talk to someone on the phone and give details dates of when these transactions were happening instead of always texting someone new for support. 
I have been a great customer to cashapp but honestly I wish I was better supported during those times where I felt I needed to be heard to get the point across.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I talked to XXXX XXXX about my account with Ability Recovery Services were reported that I am derogatory on my account. She told me the credit reporting agency have to fix it because they already send a report when I pay my account but I have been paying on time. I tried to dispute it with XXXX and XXXX but I could not online. I have called back XXXX XXXX twice and left 2 messages but she has not returned my calls.