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

XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX D.O.B : XX/XX/1962 SSN : XXXX TO Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX XXXX To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. Given 15 U.S. Code 1681. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are is proof of fraudulent activity.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of
consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report, and I am like to invoking my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards. 

You will see proof attached that my data was breached on XX/XX/XXXX, a cybercriminal group by the name of XXXX posted a database entitled National Public Data on a dark web forum, claiming to have the personal data of XXXX XXXX people, according to the complaint filed Thursday in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Florida, which said the group put the database up for sale for {$3.00} XXXX. This type of reporting by the credit agency is not factual, full or missing information, and NOT constitutional. Please see to it that these three agencies remove all negative reporting from my credit report as I have stated below and on all three letters to Transunion, XXXX, & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern ; I have tried numerous times to get this inaccurate account deleted off my consumer report and I have exercised all possible methods. I have disputed this account with all ( 3 ) consumer reporting agencies ( XXXX, XXXX and XXXX ) and with the account holder ( National Recovery Agency ), As well as requested verification of this debt. It is my understanding that not only is it the consumer reporting agencies duty to report accurate information on consumers and furnishers should also verify the information before reporting it. 

I requested undeniable proof as well as any binding documentation with my signature and only received a copy of a ( 1 ) bill statement that did not have my name and listed an address, I have never lived at. This was sent to me by National Recovery Agency. 

I am listing all the violations under the FCRA that apply to my specific situation. 


Violations under FCRA 15 U.S. Code 1681S-2 Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) After a dispute, the information can not be furnished if the information is in fact inaccurate.

15 U.S. Code 1681S-2 ( 1 ) ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681b ( c ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates Here are the violations- I am not the owner of this debt. Therefore, this account should have been properly verified for credibility of the account before reporting it on to my consumer report.

- I have 10 inaccuracies reported on my consumer report.

- Defamation of character - Loss of opportunity due to inaccuracies. Because of poor verification practices. 

Debt Collector Address : National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX Debt Collector : National Recovery Agency - XXXX XXXX XXXX Account # : XXXX Amount : {$750.00} This inconvenience has cost me to lose the possibility of acquiring a {$30000.00}. credit card, For which I am seeking damages of {$1000.00}. per violation under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX NCXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX  XXXX, NJ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding the Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant problems with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that they were recovering lost funds was impossible and that tracking them was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving other users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
Product: Credit card

I was denied credit I KNOW I AM A XXXX PURCHASER I GAVE A SECURITY TO AMERICAN EXPRESS THAT THEY TURNED INTO A RECIVABLE AMERICAN EXPRESS PROSPECTUS STATES THAT THEY CAN NOT VERIFY WHAT MY CREDIT SCORE IS? WHAT FACTORS DID AMEX USE TO DENY ME BECAUSE I GAVE AMEX MY SSN COMMITING FRAUD WILL CAUSE AMERICAN EXPRESS TO LOSE THEIR BANKING LICENSE, I WOULD ALSO LIKE TO KNOW WHAT FACTORS DID YOUR UNDERWRITER UTILIZE? WHAT DID YOUR TREASURY UNDERWRITTER DEPARTMENT SAY? AND IF CAN NOT GET MY CREDIT CARD GIVE ME MY SECUIRTY BACK. I BARTERED A SECUIRTY WITH YOU WITH THE FOLLOWING CUSIP NUMBER AND I WILL REPORT YOU TO THE IRS FOR NOT BARTERING WITH ME.
Product: Prepaid card

I tried to use an American Express gift card. This is a virtual, not physical, card. 
Nowhere I try to use it will accept it. Not for the full value and not for lesser values. I've tried nearly 10 online merchants as well as adding to XXXX XXXX and everything fails.
Product: Credit reporting or other personal consumer reports

In accordance with the guidelines provided by the Consumer Financial Protection Bureau ( CFPB ), the requisite documents include a valid photo ID, a recent utility bill, and a letter from an advocacy organization assisting me with debt related to Human Trafficking, as defined under the Trafficking-Debt Final Rule, specifically sections 1002.142 ( b ) ( 4 ) and 1002.142 ( b ) ( 7 ).

I respectfully request that this information be removed from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. I have submitted my identification and the documentation requested from the list of acceptable items, fulfilling the requirement of only two items as stipulated by law. Additionally, I have provided all necessary documentation, including a victim determination letter in accordance with Section 1002.142 ( b ) ( 6 ). 
Thank you for your prompt attention to this matter.
Product: Prepaid card

Vanilla Gift card that had {$500.00} has been hacked. I only used it once at XX/XX/2023 for an online transaction. Then I saw the balance being {$0.00} and saw an unfamiliar transaction of the rest of the money spent {$460.00} on XXXX at XX/XX/XXXX. My mom also has this problem because we both have gift cards and both hacked. Both of our cards were hacked at the same day at later times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquires on my report dated XXXX XXXX 2022 They are not mine. 

I had contacted Transunion via phone and was told it was disputed, and within 3-4 days it would be removed. 
Its now XX/XX/XXXX and the hard inquiry still shows on my report. 
I then chatted with Transunion and was told I was given wrong information. 

I was told I then had to mail in my dispute, and now nearly 2 weeks has passed since then. 

1. Dispute the 3 hard inquries 2. Complaint versus the transunion rep that provided me wrong information Photo attached of the hard inquries.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION : I have requested hard inquiries be removed from my credit report through Transunion due to being a victim of of an inquiry issue with Transunion. Fraud department/special services would not remove or properly investigate issue on the 22 inquiries that are fraudulent. The only inquiry out of the 23 that is True is the XXXX XXXX inquiry from XX/XX/2021. Special services representative would not give me any timeliness and just said we will look into it. He also told me that some would be able to be " looked at '' and others won't? When I pressed him on which ones he got flustered and could not answer. Also representative said at the end they did not and can not dispute inquiries at the end of the call after reading over all 22 inquiries. He also said multiple times to just give it some time. Very weird and vague. Not sure if he knew anything or what to say. Really shady and seemed like not true representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I notice there are unauthorized credit inquiries made by XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX On The B Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX XXXX Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation the inquiries ito determine who requested this credit inquiry. 
If you find I was not the one who authorized this inquiry, I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX DEPTEDXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Vehicle loan or lease

Greetings, I have tried to request a payoff quote for my loan that I signed on XX/XX/2020. 
There is still no record of the loan, but I am incurring daily interest on a loan that I can not pay off. 

I have no way to stop accruing interest on this loan and I was not quoted an exact date of when I would be able to get a payoff quote due to the nature of how Honda Financial Services operates internally. 
This system guarantees that consumers will be forced to pay a minimum interest amount due to the inability to pay off the loan until it is " In their system. '' I have called on XX/XX/2020 both to Virginia help center and New York help center and they verified that I will be accruing the per diem without any way of paying off the loan, admitting to a minimum guaranteed interest payout. 

Honda Financial Services VA - XXXX Honda Financial Services NY - XXXX XXXX XXXX XXXX  VA - ( XXXX ) XXXX On XXXX  XXXX, I was able to create an account and request a payoff. My incurred interest was {$8.00}. This was unavoidable based on the system set up by Honda.
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 righst to privacy and confedentiality 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 U.S. Bankruptcy Court # XXXX 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 account furnish an account without my written instructions.

15 U.S.C. 1681c. 9 ( 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 antidates the report by more than seven years.

15 U.S.C. 1681 S-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 or other personal consumer reports

XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX Prior Cfpb Complaint Subject : Second Dispute Regarding Unauthorized Inquiry by XXXX Dear Equifax Dispute Department , I am writing to formally dispute an unauthorized inquiry appearing on my credit report related to " XXXX. '' This letter serves as a follow-up to my previous dispute, as Equifax 's prior investigation failed to adequately address or correct this matter. 

Details of the Dispute : Inquiry Name : XXXX Reason for Dispute : No written authorization was given for this inquiry. 
Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries made with my explicit consent may be included in my credit file. I never provided written authorization for XXXX to access my credit information, and as such, this inquiry is unauthorized and should be removed immediately. 

The inclusion of this inquiry on my report is a violation of my rights under the FCRA. I demand that Equifax : Conduct a thorough reinvestigation into this matter.

Provide me with a detailed explanation of your findings and the steps taken to resolve the issue.

Remove the unauthorized inquiry from my credit report immediately.

Please find attached copies of the following supporting documents for your review : A copy of my credit report highlighting the disputed inquiry.

A copy of my previous dispute letter for reference.

Failure to resolve this matter satisfactorily may leave me no choice but to escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights.

I expect a written response within the legally mandated time frame of 30 days. If additional information is required to complete the reinvestigation, please notify me promptly in writing.

Thank you for your attention to this matter. I trust you will handle it with the seriousness it deserves. 

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

National Credit Adjusters violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 
15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

On XX/XX/2022 i received a letter in the mail from National Credit Adjusters trying to communicate with me in an attempt to collect a debt. In which, the letter i received violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative.
Product: Debt collection

I sent Fair Collections & Outsourcing , Inc a letter asking them to validate this debt, and show original documentation that was signed by me. The information they responded with did not show any agreements that were signed by me to XXXX XXXX XXXX. I also couldn't get a clear answer on whom this debt would be owed. When I contacted XXXX XXXX XXXX directly, I was told they no longer had this debt in their files, and that the collection agency would own the debt. However, when speaking with Fair Collections & Outsourcing , Inc, I was told that they were only servicing the collection for XXXX XXXX XXXX. So there is no way for me to get any real clarity or understanding of where this originated.
Product: Debt collection

I reported this matter to the CFPB and Portfolio Recovery Associates, LLC gave a company response that they would Cease & Desist all collection efforts as they are not my original creditor and I do not wish to work with them. I was very specific in my request that they remove all negative reporting they are doing to the 3 major credit bureaus as they are damaging my credit profile. Not only have they NOT REMOVED the reports from XXXX, XXXX, and XXXX they are reporting that the account is accurate and CONTINUING COLLECTION EFFORTS as well as having sent now 4 letters to my residence attempting to collect on the debt in question. I will inlude the 8 page letter because it is front to back herein as Portfolio Collection Letter. PORTFOLIO RECOVERY ASSOCIATES, LLC is not respecting my Cease & Desist request they pretended they never recieved also inclosed herein as Portfolio {$310.00} furthermore they are not removing the negative reporting and continuing to VIOLATE my rights. I implore the CFPB to please assist me with my requests. I will Include all documentation to make proof of my claim. The screenshots indicate Portfolio remarking that the dispute is resolved and the customer disagrees. Portfolio is being deceptive and I need help. I am also enclosing reports from the 3 major  credit bureaus as well.
Product: Checking or savings account

We have a safety deposit box in the Bank of America XXXX MA branch on XXXX XXXX. We were not notified of the branches closure and we can not gain access to our safe deposit box which contains our car title and our money. We have sold the car. It is going up for auction tomorrow and we need to produce the title today. We have tried to get a hold of someone all week and have not even received a response. We will be responsible for the cost of the car if we can not produce the title. We also have funds in our safe deposit box that we need access to and Bank of America is not allowing access to our money. Their email box is full when we try to email. nobody returns our messages.
Product: Credit reporting or other personal consumer reports

My credit report includes a fraud alert indicating that I am a victim of identity theft ( Exteded Fraud Alert under FCRA Section 605A ). Any applications in my name should be verified with me directly. Section 605A ( 15 U.S.C.1681i ) : Provides consumers the right to dispute information on their credit reports and mandates the credit bureau to investigate and correct or remove any inaccurate, incomplete, or unverifiable information. Section 605A ( 15 U.S.C.1681i ) : Entitles consumers to place a fraud alert on their credit reports and requires creditors to verify the identity of the consumer before extending credit