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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 contacted Experian via Credit Check total 2 months ago to cancel my free trial membership and was told I would not be charged anything. On Friday the XX/XX/XXXX my card was charged for 2 months while I was out of town on a family vacation. I have called everyday since then and spent hours on hold and cant get through to anyone. I have also emailed asking for help. I want my money back. My account # is XXXX.
Product: Debt collection

I am writing to formally report complaint for a debt of { {$XXXX} } that has been falsely reported on my credit report by Credit Collection Svcs. This debt was allegedly sold to a third party and does not belong to me. I have verified my records and found no evidence to support this claim, nor have I received any prior notice, billing, or validation of this debt. I believe this reporting is erroneous and violates the Fair Credit Reporting Act ( FCRA ). Specifically, the issue lies in : Lack of Validation : I was not provided adequate verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Erroneous Reporting : The collection does not correspond to any services I have received or authorized. Improper Sale of Debt : This debt originally was owned by XXXX and was indeed sold to a third party Credit Collection account number XXXX, I was not notified of the transfer, and no valid documentation was provided to substantiate its legitimacy. This false reporting has caused undue harm to my creditworthiness and financial stability. As per FCRA 611 ( a ), I am requesting an immediate investigation into this matter and deletion I received a negative report on credit report from this 3rd party collection agency Ive never done business with this company or never gave them my personal information I believe this company is illegally using my information and breaking the laws under 15 USc 1601
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to NEMO 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to NEMO 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple inquires on my file. i did not request these inquires. 


Name Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I spoke with someone in the claims department and explain how one of there branch manager missed handle my business and personal accounts and there is XXXX missing. All I want is my reimbursement plus interest dude to late payments because the money was not in my account do to them giving my account information to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XX/XX/XXXXunder affidavit number XXXX after repeated attempts to delete them via XXXX XXXX in XX/XX/XXXXXXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter via certified mail with copies of documentation received from XXXX XXXX regarding the removal of a Bankruptcy that was reported in error. I never received a response from anyone at Equifax to correct the matter. I sent another letter on XX/XX/XXXX following up because the tracking on the letter said it was signed for and received and we are now into XX/XX/XXXX and they still have yet to respond to my inquiry or launch an investigation after I have provided proper documentation.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries on my trans union credit report I filed several disputes and nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters around XX/XX/XXXX and XX/XX/2022 ( regular mail ). asking each of them please remove them. 

30 days have long since passed, without any response or taking action to remove the obsolete or incorrect information requested. As we all know, this is a violation of the FCRA. I made two attempts and have not received any response from either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report in XX/XX/2018. I noticed that Credence Resource Management had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Credence ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Credence to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Credence has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, time and verifiable information. Per return receipt ( see attached ), Credence received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Credence is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed several accounts posted by PlusFour , Inc collection agency in my XXXX  files that belong to my Ex-wife. 
Reporting agencies are supposed to report accurate information but XXXX continue to report accounts thatre not mine. 
PlusFour , Inc is aware that these accounts are not mine, but they continue to report these accounts to the credit bureaus. 
I had disputed these accounts with both XXXX  and PlusFour , Inc. 
The facts are, first I never been at XXXX XXXX XXXX for anything. Second my Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for purposes of filing insurance claims but, in no way, Im obligated to pay for any contract my ex-wife gets into it. 
XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled on time, they were settled at a later day and that was an error made by XXXX XXXX XXXX when they used my ex-wife social security number to summit the claims. 
So, getting back to PlusFour , Inc I was never notified of any collections by PlusFour , Inc or their client XXXX XXXX XXXX, I discovered these collections after requesting my credit report. 
Immediately after discovering that PlusFour , Inc had posted these negatives accounts on my credit report I disputed these accounts with XXXX and I requested debt validations directly thru PlusFour , Inc. 
PlusFour , Inc had never responded to any of my request even after I informed them that these are my accounts and they had not produced any documents showing that makes me responsible for these collections. 
I believe that XXXX favor they paid clients and really dont want to upset by requesting full verification from PlusFour , Inc. 
Its not fair that thousands of innocent consumers life is damaged by the behavior that XXXX had shown over the dispute process and collection agencies like PlusFour , Inc that reports inaccurate information without any consequences due to the loop holes in the laws.
Product: Credit card or prepaid card

XX/XX/XXXX CONTACTED CAPITOL ONE CUSTOMER SERVICE TO REQUEST A LOWER APR. THE REPRESENTATIVE STATE I HAD NO OFFERSON MY ACCOUNT TO LOWER THE APR. 
I HAVE HAD THIS CAPITOL ONE ACCOUNT ENDING IN XXXX SINCE XX/XX/XXXX = 7 YEARS 6 MONTHS AND NO OFFER IN THE TIME I HAVE HAD THIS ACCOUNT OF OPTION REQUEST TO LOWER THE APR. 

I DO NOT UNDERSTAND IN 7 YEARS OF HAVING THIS CREDIT CARD I CAN NOT GET AN OFFER TO LOWER THE APR. 

FOR 7 YEARS MY CREDIT LIMIT HAS BEEN {$500.00} NEVER INCREASED. 

APPEARS TO BE AN INTERESTING QUESTIONS THAT DESERVES AN ANSWER IN WRITING. 

HOW LONG DO I HAVE TO HAVE THIS CARD FOR ANOTHER 7 YEARS TO GET AN OFFER TO LOWER THE APR. 

MY PAYMENTS ARE CONSISTENT AND ON TIME HIGH PERCENTAGE OF THE TIME.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Checking or savings account

Multiple fraudulent attempts to impersonate vendors were attempted using US Bank bank accounts.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXX has a collection against me in the amount of {$5400.00}. 

On XX/XX/XXXX I disputed this with XXXX because this account does not belong to me. 

They never provided me with a physical copy of validation. 

Account information listed below Kimball, Tirey & St John XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off my account last month XX/XX/XXXX and when I paid off the account, I was told by a collection representative that the account will be deleted upon paying. When the account was not deleted i reached out to see why not and a representative told me that they dont delete tradelines from credit reports. The first person I spoke to gave me false information. Please delete this account from my credit report asap or I will sue this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my TransUnion free credit report XX/XX/2021 and noticed that my personal information that was requested to be removed and updated XX/XX/2021 has not been updated. I sent TransUnion a certified Mailing # XXXX on XX/XX/2021 requesting that they update my information with the proper identification within seven business days. To date they have not honored either request.
Product: Checking or savings account

On XX/XX/2023, my XXXX phone and phone number were hijacked and I was unable to use my phone. I contacted my phone provider, XXXX, and informed them of the issue. I was then instructed to buy a new XXXX card. Unfortunately, this did not resolve the problem. 

On that same day, I received notification that my XXXX account was utilized to set up an XXXX account and subsequently used to sign into an XXXX XXXX. I do not own an XXXX and I have never had an XXXX XXXX account. It appears the hackers were able to use my personal information to create an XXXXXXXX XXXX and to gain access to my Chase Bank and XXXXXXXX XXXX  accounts. 

The hackers also deposited a fraudulent check for {$5000.00} payable to XXXX XXXX, and a fraudulent cashiers check payable to XXXX XXXX XXXX, to increase the amount of money that they could steal from the account. Their fraudulent indorsement of the check to XXXX XXXX said for electrical deposit only. I do not know anyone named XXXX XXXX or why Chase allowed that check to be deposited into my account. 

On XX/XX/XXXX, I reported the fraudulent activity to Chase Bank. 

On Monday, XX/XX/XXXX, I went to a local Chase branch and discovered that {$4000.00} was stolen from my account and that the account now had a negative balance of {$5600.00}. 

On the same day, {$2400.00} was stolen from my XXXX checking account. Thus far, XXXX has returned {$2000.00} of the stolen funds and is still investigating the fraudulent transfer of {$400.00}. 

On XX/XX/2023, I received a letter from Chase stating that my claim was denied because Chase found that the transaction ( XXXX ) was processed according to the information [ I ] provided or was authorized. The letter stated that I could contact Chase if I wish to review the information it used in its research. 

On XX/XX/2023, I filed a police report with the XXXXXXXX XXXX  regarding the identity theft that occurred on XX/XX/XXXX. 

I have followed up with Chase numerous times since then. I still have not been able to review any of the information or documentation it used in coming to its determination that no fraud occurred. 

On XX/XX/2023, I contacted Chase seeking clarification on the reason for my denied claims and to request copies of the documentation it used in its research. During the conversation with a Chase representative, I was informed that my Claim # XXXX, amounting to around {$10000.00}, was denied due to the payment being made via XXXX XXXXXXXX XXXX The transaction description read " XXXX XXXX. '' As I mentioned previously, I owned a XXXX phone during the time of the transaction, and XXXXXXXX XXXX XXXX  functionality is exclusive to XXXX. Despite my attempts to explain this to the Chase Bank representative, they ignored my statements and refused to provided me with any documentation supporting its contention that the transactions were authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are reporting information without a copy of my original signature, I have submitted section  609 claim  to all   XXXX   of the Credit Bureaus, which states that the credit bureaus can not report information without a copy of the original signature. They continually fail to removed the items off of my credit report.
Product: Credit reporting or other personal consumer reports

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Product: Debt collection

MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY AGENY PLEASE SEE ATTACHED DOCUMENTS AND OD AS IT CONTAINS MY FULL COMPLAINT REQUEST
Product: Credit reporting or other personal consumer reports

I noticed some inquiries on my credit report that I did not authorize ; I need them removed as soon as possible. 

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

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, I have not received any responses from the credit bureau. There are so many confusing parts to my credit reports and over 10 items have discrepancies between the reports from each credit bureau. I feel like I'm being ignored. 

Section 611 ( a ) it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Now that its been more than 30 days those items should be deleted immediately. After being informed that my information has been leaked by the XXXX data breach, I have very little trust over the credit bureaus and this has seriously led me to consider taking legal action.
Product: Debt collection

XXXX XXXX XXXX XXXX filed a lawsuit in Arkansas against me. Even though the case was in court and they were represented by an attorney, they continued to have an offshore call center attempt to collect the debt. 

After they dismissed the lawsuit, they continued to report the debt to the credit bureaus. 

Despite knowing that I dispute the charges, and without having any information about said charges, they continue to assert the debt is valid and continue to refuse to investigate dispute I placed with the three credit bureaus. 

XXXX XXXX XXXX is quite aware that the charges are not valid, that I did not authorize most of them, and that I am owed a refund on the account for amounts I overpaid Capital One.