23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 section 604 a section 2 : it also states consumer reporting agency can not finish 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 conviction of crimes which antedated 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 agency agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Product: Credit card or prepaid card

My initial Citi Simplicity card started out relatively low ( around 12 % ). In XXXX, rates were increasing by .25 % like other credit card companies ; however, in addition to this increase Citi increased my rate by over 5 % starting in XX/XX/XXXX. When I called and asked why, the response from customer service was " other credit card companies are doing the same thing. '' This is absolutely not true ; no other credit has increased my rate by such a large amount in one shot. I have never been late paying and have paid the minimum, if not more, on my account. After this huge increase, Citi continued to increase every month by a small margin like .25 %. Recently, I received another notice that as of XX/XX/XXXX, the rate on my card would increase another 4 %. To add insult to injury, Citi sends me a marketing promotion that I was pre-selected for a card at 0 % for 18 months. After the 18 months, the rate would be lower than by 7 % than what I am currently paying. When I asked customer service about transferring my current card to the Citi Rewards card, they then said I was not eligible. Why send it to me? Why such a HUGE increase in rate, not once but twice? No one seems to be able to give me an answer. All I can determine is that it is greed on the part of Citibank. I will never be able to pay off this card at this rate.
Product: Payday loan

I am a victim of identity theft and after being made aware ran my XXXX credit reports through XXXX, XXXX and XXXX. After doing so I was alerted to also contact XXXX XXXX and get a report from that agency. After receiving this report it did indicate a payday loan was established in my name with my SSN with XXXX/Red Rock, AKA Castle Payday in XXXX, MI.
Product: Checking or savings account

i went into bank of america to open a checking and savings account. i was denied. i was told i already had an account six years ago and it was closed due to check fraud. i have never owned a bank account from bank of america. i was given a number to call. they then emailed me and requested information from me. i was refused information as to when the account was opened, what i.d was used to open the acct, how long it was open, and what transactions are linking me to the account. i was asked to make a police report, however i dont have any info to put on the report. i dont know where and when the account was opened. i have never been accused of having an account at this bank, it has never come up on any credit history or file. i have accounts in two banks both in good standing and wanted to open an account at bank of america because my XXXX children have student accounts there and it would make it easier to transfer funds between accounts. i feel that i am being discriminated against for being XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/2018. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/2018 and they have not updated my payment status since XX/XX/2018. Since XXXX has not updated my credit since XX/XX/2018 it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/2018. It is now XX/XX/2018 and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from Experian, XXXX, Experian the consumer reporting agencies in question, in reference to my initial complaint. 

In my original complaint, I detailed my deep concern and dissatisfaction with Experian 's, XXXX and XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

I have attached a copy of my original complaint for reference. 


To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, Experian has violated my rights under the FCRA and my rights under the Privacy Act of 1974. 

I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. 

I request that the Consumer Financial Protection Bureau takes appropriate action to ensure Experian, Experian and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit plans. 

I appreciate your attention to this complaint, and I look forward to your assistance in resolving this matter. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have recently reviewed my credit report and have found multiple inquiries that I do not recall authorizing. I believe these inquiries might be fraudulent and I request their immediate removal from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In accordance with this law, I am requesting that you investigate and remove the following inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the FCRA, the credit reporting agencies must investigate my dispute within 30 days of receiving it. I also request that you provide me with a written statement of the results of the investigation and a free copy of my credit report after the dispute has been resolved. 

I appreciate your prompt attention to this matter and look forward to your favorable response. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

I was on the phone for 2 hours and 15 minutes with a Chase employee from their XXXX ( XXXX ) and their Fraud Dept. Chase gave XXXX points from our credit card to a criminal who called them. My husband and I have asked repeatedly to hear the phone call that was left by the criminal. We have also asked for XXXX boss or upper management to listen to the entire 2 hour 15 minute call to hear how XXXX provided " customer service ''. We need to know about preventive measures, since in the meantime, Chase has given us a replacement card, but we do n't want this to happen again. We ca n't just be given replacement cards every time this happens. We have about XXXX accounts this card is set up to and we have to now spend time disconnecting the old card and reconnecting the new card. More importantly, we want to know how this theft can be prevented. We have no idea what kinds of screening process/identification process is used when criminals call in and no one has told us. XXXX from the " executive office '' told us XX/XX/XXXX that she would get back to us on this but not a peep. I have written over 15 emails to Chase with ZERO response from Chase. I have called them yesterday and spoke to a XXXX on their 'executive line ' who said she would be talking to XXXX and her boss XXXX XXXX . She also told me someone named XXXX was assigned my case, but no one has called. I was not even assigned a case number. Is there one? I, a customer of over 30 years is constantly getting ignored. I called again today. This was a joke. We do not understand how a bank can just ignore their customers. We believe that the bank feels that just because they replaced the card, that they do n't need to do anything else. Chase is DISGUSTING and we need answers. They can not keep on ignoring us!
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I've noticed that Experian is reporting inaccurate information and accounts that are under multiple violations. There is personal information that's reporting that doesn't belong to me which shouldn't be reporting. I reached out to the creditors that's reporting these accounts and asked them to verify this debt and mail me any documents that prove these debts belong to me. How can I owe a debt if there was never a mutual agreement set in place? I am aware that in order for anything to accurately report to my consumer report, the information must be verifiable in which i'm asking Experian to thoroughly investigate my dispute letter and remove anything that can not be properly verified. I never gave the companies reporting this information the consent to obtain nor share my personal information with anybody which is a violation of my right of privacy. Included in my complaint is a copy of my dispute letter that Experian must investigate and update. I understand that it is Experian 's duty to do what's fair and equitable for me as a consumer in which reporting inaccurate and unlawfully accounts and information. Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Debt collection

I received a notice of a debt collection from Kramer and Frank, P.C. on XX/XX/XXXX stating I had until XXXX to dispute the debt. I sent a dispute letter on XXXX to the email address provided XXXX XXXX  ) and have yet to receive any communication back from them. I called the office and spoke with XXXX XXXX XXXX and learned that a lawsuit was filed on XX/XX/XXXX despite never receiving any response back to my dispute letter. While on the phone, XXXX read to me a response to my letter that was only communicated internally and told me that my case was improperly handled, but the court case would be moving forward unless they reviewed my file and decided it should have a continuance.
Product: Bank account or service

Wells Fargo closed my accounts due to CIF. It was their error in that my address and phone number will not fit into their computer fields. I have opened an account with XXXX XXXX Bank but Wells Fargo Continually make excuses as to why they can not deposit my money at XXXX XXXX Bank. They have alienated me from over {$8000.00} of mine for over two months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report
Product: Checking or savings account

I filed a claim about transactions that were made on my account while I was incarcerated. I had to turn myself in XX/XX/XXXX and I wasnt released until XX/XX/XXXXXXXX XXXX XXXX called in on XX/XX/XXXX and spoke with an agent and expressed my concerns with my bank and offered to send in supporting documentation proving I was incarcerated. 

Upon sending in my documentation I called daily to ensure my documents were received and I answered each question each time surrounding my claim but each time they said it wasnt clear even though I sent it in PDF form each time. 

The dates I called in were XXXX, XXXX ( teice ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and to find out on XX/XX/XXXX that my claim was closed on XX/XX/XXXX. Once I called XXXX in on XX/XX/XXXX I was told by a representative that she sees my calls and sees my documents and felt bad for me and escalated my call to get my claim further reviewed to get a final decision and its frustrating because I showed them the website to verify my incarceration and to no avail Im still without my funds and someone who had my card and information wiped me out starting on XX/XX/XXXX. I just want my funds allocated bk to myself and to get this bank to stop taking advantage of customers. I just dont know wat to do now and o need your help to get my bank to really get who did this and not make me suffer please
Product: Credit reporting or other personal consumer reports

XXXX XXXX my identity was stolen. I contacted TransUnion credit bureau to alert them about the incident. I have provided them with a police report to assist them with correcting my credit report and to this day they have not responded to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XX/XX/XXXX- The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized US SM BUS ADMIN ODA XX/XX/XXXX XXXX The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX- The inquiry was not Authorized ACCOUNTS : XXXX XXXX  XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX XXXX  XXXX- Not reporting accurately under 1682e ( b ) XXXX XXXX XXXX - UNDER 1692j, cease and desist asap XXXX XXXX- Not reporting accurately, it says open but collections ? Delete this asap 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

XXXX and Transunion continue to report a collection account from XXXX XXXX XXXX. I have never had any business with XXXX, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by XXXX or XXXX. I just ended up paying XXXX but XXXX continues to report. I would like the XXXX collection removed from my credit. It is damaging my Fico scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YOU REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Product: Credit reporting or other personal consumer reports

Multiple times prior I have sent in my FTC report and stated that accounts from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Are fraudulent sent my FTC reports and identified I knew my rights of 609 and 605b under the credit reporting act with only to be told these items were verified. My most recent dispute received by transunion that was started on XXXX first I stated under 611 of the FCRA I request the methods in which these item were which I did not receive. After I started sending my disputes I no longer have access to my online reports which has been going on for several months which I believe to be retaliatory because of my disputes. These accounts are fraudulent I have asked in a response previously on this platform how can I prove these items are fraudulent besides my FTC reports with no response. I have sent in my documents showing that these accounts are fraudulent. I requested the documents used to verify these fraudulent accounts with no response. Also to be noted XXXX & XXXX removed these accounts because of the determination of fraud.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This like my 3rd time sending a complaint in about Experian and how they are going against consumer laws and nothing my report changes it still the same I need these attached items removed immediately or we will take Court Action recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice. 
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. 
The Following Hard Inquiries Are Fraudulent And Need To Be Blocked And Deleted From My Consumer File Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX vehicles purchased using my credit information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Contacted credit union they refused to assist me resolve. 
the identify theft. Both vehicles have been recovered. provided the reports reflecting it was identify theft.