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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX 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 or other personal consumer reports

I called the company back. I spoke with a guy the second time. I told him that the young lady filled in all of my information for me over the phone. Now, I a n't log into my account. I don't exist. So, we put my information again. This time On my computer. He checked his end and everything was okay. But once I put my information in. It said the same thing. I didn't exist. He just said he was sorry and will look into it. So, I cancelled my account. I looked at Equifax reviews. They have a lot of complaints about this. People are not able to getinto their accounts. But they are charged.
Product: Credit reporting or other personal consumer reports

This is my new attempt to notify you that I am a victim of erroneous reporting and I submit to dispute this account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this account in my credit file that resulted from an alleged erroneous reporting. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this is a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind. 
XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -XXXX XXXX  XXXX XXXX XXXX Balance : {$920.00} -- -- -- -TRANSUNION : XXXX XXXX XXXX Balance : {$920.00}
Product: Debt collection

Called IQ Data to inform them about court cases regarding debt. Was transferred to an agent who continued to interrupt me, would not transfer me to a supervisor, threatened to put me in a " time out '' -- literally said time out. I attempted to give them the case information and he continuously stated that I had called multiple times with the same story. I have called this company all of twice. They contacted me previously and refused to state their identity or the debt holder.

Currently, there are two pending legal actions regarding this alleged debt. I will be in court on XX/XX/XXXX. The originator of the alleged debt has been served by certified mail ( twice ). XXXX at XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX are quite aware of the legal actions. The collection agency XXXX aka IQ Data is  also aware. 

I attempted to give them my lawyer 's information and he continuously interrupted me. At that time I muttered " XXXX this '' and hung up. This behavior is harassment and illegal.
Product: Checking or savings account

XXXX day I tried to access my Banco Popular account online and it didn't exist anymore. I never received any notification about it being closed or why.
Product: Credit reporting or other personal consumer reports

I did not receive anything from this company and they pulled my credit without my consent.
Product: Credit reporting or other personal consumer reports

Just recently I have found out that CREDIT KARMA has violated their rights under the Fair Credit Reporting Act. CREDIT KARMA accessed my report without my written consent per 15 U.S.C 1681 ( civil liability for willful noncompliance ). There are over 20 inquiries on my report and all of it must be REMOVED immediately as the consumer I am not opting out of CREDIT KARMA. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( CREDIT KARMA ) is a financial institution by definition under that title.

12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. 
XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

XXXX-Notary came to my house to sign closing documents. The signed Note was filed with the county recorder ( as per county recorder website ). 

XXXX A new Notary came to my house to sign closing documents a second time. I was told my original closing documents were lost in the mail. 

XXXX A new Notary came to my house to sign closing documents a third time. I was told my last name needed to be updated on the documents. A total of three different Promissory Notes were signed by me. 

XXXX I sent a verification of claim in the form of a Request for Inspection of my Original Wet Ink Signature Promissory Note. A copy would not be acceptable. 

XXXX Mr. Cooper sent a letter stating they were " unable to provide the original wet ink signature promissory Note as it could get damaged in transit. '' They enclosed a copy of the promissory Note. 

XXXX Their inability to allow me to inspect the Original Wet Ink Signature Promissory Note gave me reason to believe there is SUSPICIOUS ACTIVITY. I sent a second letter requesting documentation and proof of claim. I requested the following : -Proof of the existence of the account or contract in my actual flesh and blood name duly signed and witnessed by BOTH parties. 
-Proof of claim that this company is the current holder of due course of the Original Debt Instrument by allowing me to inspect my Original Wet Ink Signature Promissory Note. 
-Copy of the actual account whereby bank assay has occurred showing actual loss incurred of the alleged debt via an affidavit that this company is a creditor of the note in accordance to Generally Accepted Accounting Principles ( GAAP ). 

XXXX Mr. Cooper sent a letter stating my correspondence has no legal validity and is not a valid request. They stated Mr. Cooper was the holder of the Note and Mortgage and had the authority to enforce all rights under these documents. Additionally they THREATENED to report the invalid documents received to the appropriate authorities. 

I have remained in honor by keeping my account current throughout this entire process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MISSED A PAYMENT ON ONE OF MY ACCOUNTS. I DIDNT REALIZE IT UNTIL I RECEIVE A NOTICE THAT MY CREDIT SCORE HAD DROPPED. I CALLED THE COMPANY AND IT CHECKED OUT THAT I HAD MISSED A PAYMENT. MY OVER SIGHT I GET IT. MY COMPLAINT IS I HAVE A 99 % PAYMENT HISTORY THAT SHOULD HAVE BEEN A 100 UNTIL NOW AND THEY DROPPED MY CREDIT XXXX POINTS. TRANSUNION AND XXXX BOTH. FROM XXXX TO XXXX FROM TRANSUNION AND XXXX TO XXXX FROM XXXX. THEY BOTH DROP YOUR SCORE THAN RECOMMEND THEIR SERVICES OR COMPLANIES THEY PARTNER WITH TO BRING THEN BACK UP. MY COMPLAINT IS THESE COMPANIES ARE NOT FAIR. THERE IS NO WAY MY SCORE SHOULD HAVE DROP XXXX POINTS FOR ONE MISSED PAYMENT AND THIS IS NOT THE FIRST COMPLAINT IVE FILE AGAINST THESE COMPANYS FOR UNFAIR REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an alert that a hard inquiry had occurred by XXXX. 

I phoned ( XXXX ) XXXX, and it did not sound legitimate, so I tried going through my credit monitoring, but can not determine how to dispute. 

I never authorized a credit inquiry, and have no idea of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called BOFA ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX, XXXX, representative XXXX answered the call and hung up on me. According to recent XXXX, Bank of America reported a visa account as ( Inactive ), all of the years, from XXXX through XXXX in " good standing '', account was closed by me in XXXX of XXXX. They indicate the account was in dispute, under investigation, what is not reported is the investigation was concluded to my satisfaction, and I won the dispute, and the closing account balance was XXXX where merchant refunded the money to my Visa. 
The Bank of America either should report the dispute was resolved to card holder 's satisfaction, or remove it because the seller refunded my account, no final balance there remained. & the fact that I closed the account myself. 
If they insist on the reference to dispute to remain on my CBR, they have to warrant their position by the dollar amount that was charged off against my Visa. However there was a merchant refund, and zero balance. So allegation of charge off or loss to Bank of America is false and fabricated. Or inclusion of " account under investigation '', is done by BOFA maliciously, I was the innocent party in the transaction. 
XXXX XXXX
Product: Checking or savings account

Today ( XX/XX/XXXX ) I visited the local branch of Bank OZK to have {$51000.00} of funds that had been received by wire transfer on XX/XX/XXXX at which time I was NOT notified of any hold. I entered the branch to have those funds transferred into the account of an XXXX in which I am purchasing ownership. Initially, I wrote the name of the company slightly wrong, and the transaction did not process. I returned to attempt again an met with XXXX XXXX XXXX at the branch. She was very evasive and obviously did not want to help me, constantly rolling her eyes at me and not answering my questions. Through repeated attempts, I was told that the Fraud Department put a hold on the funds, not because they were unavailable at the bank, but because I wrote the XXXX name down wrong. The XXXX XXXX told me no one in Fraud would talk to me and that no one in Branch management was available to speak with me. When I asked for the Reg CC Funds Availability Notice to determine WHY my funds were held and WHEN they would be available, she quipped that the bank would mail that to me. As I was there and someone already knew the reason for the hold, I insisted on being updated. She continually refused to provide any information as to the reason, the length of time of the hold, or the process to investigate the transfer in of the funds. As an elderly man of XXXX  years, I can't help but believe a bank that has cleared funds in my account refusing me access is elder financial abuse. Refusing to provide any information and expecting me to accept the bank has such authority is a blatant effort to bully me into submission because of my age
Product: Credit reporting or other personal consumer reports

Dispute Request Regarding ChexSystems and Unauthorized Accounts Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute the handling of my consumer report by ChexSystems regarding unauthorized accounts that have been reported in my name due to identity theft. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, which governs the accuracy and integrity of consumer reporting.

Background Information I have been a victim of identity theft, which has resulted in unauthorized accounts being opened in my name without my consent. Specifically, I am disputing the information reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX as follows : XXXX XXXX  XXXX : Reported on XX/XX/XXXX XXXX XXXX XXXX : Reported on XX/XX/XXXX Despite providing ChexSystems with documentation from the Federal Trade Commission ( FTC ) confirming my identity theft status and requesting the removal of these unauthorized accounts multiple times, I continue to receive responses indicating that my disputes are considered frivolous or irrelevant. The responses I received state : A reinvestigation of the disputed information was already completed. 
The nature of the dispute has not changed. 
ChexSystems has provided notice of the results of the previous reinvestigation. 
If applicable, ChexSystems has requested supporting documentation. 
This response is unacceptable as it fails to address my legitimate concerns regarding unauthorized accounts that do not belong to me. 

Request for Action I respectfully request that the CFPB investigate this matter further. It is imperative that ChexSystems complies with its obligations under the FCRA to ensure accurate reporting and rectify any inaccuracies related to my consumer file. The continued reporting of these unauthorized accounts not only affects my creditworthiness but also causes significant emotional distress. 

In light of this situation, I ask that you take appropriate action against ChexSystems for their failure to adequately investigate and remove inaccurate information from my report. Additionally, I would appreciate guidance on further steps I can take to resolve this issue effectively. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I received a text stating that my Chase account debit card had been locked. I do not have a Chase account. I tried reporting as phishing with FTC and was redirected here. 

Website link in text was XXXX XXXX XXXX Text from phone number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX
Product: Debt collection

The debt collecter stayed that owe for a auto loan that was in collections for a car I never purchased I also dont have a drivers and I stated that its impossible for me to buy a vehicle with no drivers license and the debt and the account was not mine I also asked if they had a contractual agreement with my signature and a drivers license with my name and picture and they stated that they did not have it so how can they state that this debt is valid with no proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquiry placed on my XXXX Credit file from MACYS on XX/XX/2019. However, I do not have a Macys account, nor did I apply for one. 

I called XXXX listed with the hard inquiry on my XXXX   Credit File and spoke with XXXX who advised me to fax XXXX a written request to have the hard inquiry removed. I attempted to complete this but the fax kept failing to the number provided so this was not successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Transunion shall block 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. 

XXXX XXXX XXXX XXXX Open Date XXXX XXXXXXXX XXXX  Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Creditor 's customer service representative.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the following account as charged off from XXXX and XXXX is reporting the account as paid as agreed ( OK ) from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because the balances being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

Account number XXXX has been disputed multiple times and keeps coming back as verified and updated but no verification had been sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have raised concerns about the accuracy of this account information with the relevant party, and they have responded by claiming to have verified the debt. I find this puzzling, as I have personally contacted the collection agency in accordance with the FDCPA laws, but they have failed to provide any validation of the debt being mine. 

Attached are copies of my requests to the collection agency, along with the receipts proving that I sent these letters via certified mail with signature confirmation. I want to emphasize that this debt does not belong to me, and I have not been provided with any evidence of my obligation to pay it to this collection agency. 

I have a few questions regarding this situation : 1. If I have a contract with the XXXX, why is a third-party entity pursuing me for payment? 
2. Why is this third-party entity negatively impacting my credit score? 
3. Why is this third-party entity attempting to coerce me into paying a debt that I do not owe them? 
4. If the XXXX has sold the debt to debt collectors, why am I receiving letters from the U.S Department of Treasury? I strongly believe that this is illegal. 

According to the FCRA, they are required to verify the validity of the item within 30 days. If they are unable to do so, they are legally obligated to remove the item. In this case, there is clear evidence of unverified debt, and I urge them to remove it from my records before I am compelled to take legal action. 

I perceive this as a form of retaliation against me for my departure from the XXXX. 

If they fail to verify the item in accordance with the FCRA and continue to report the disputed item on my credit report, I will have no choice but to sue for actual damages and seek declaratory relief under the FCRA. As per this regulation, I have the right to file a lawsuit in any qualified state or federal court, including small claims court in my jurisdiction. 

While I would prefer to avoid litigation, I am prepared to utilize the legal system to protect my rights under the FCRA. 

Failure to provide a satisfactory response will result in legal action being taken against your company. In such a case, I will also seek.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have been reporting on my credit report inaccurate information without my written consent. I have sent numerous of dispute letters for XXXX to remove this off my credit report and they failed to do so. The original amount balance went from {$9700.00} to {$26000.00}. Here are all the dates trying to resolve this matter : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was transferred to a 3rd party but has a specific balance of {$8100.00}, how can this happen? I see that no investigation has been conducted both from the bureaus and the companies. I am now seeking your assistance on this matter.
Product: Debt collection

On XX/XX/2021, I vacated the apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I paid the rent IN ADVANCE every month and was never late even with the COVID Pandemic in full swing. I signed my lease in XXXX of 2021 for a one year lease and due to my family purchasing a new home, we had to terminate the lease 3 months earlier than expected and was only able to provide a 30-day notice. We had paid for the full month of XXXX, only to be told we are not receiving any CREDIT for that month and all that money was kept! 
Around mid summer 2021, we were notified new property management called XXXX had taken over. This new property management has been unprofessional, hateful and the overall experience with them was awful! My neighbors had all agreed they were horrible to deal with. 
In XXXX of 2021 I was infected with XXXX and was in the hospital for XXXX  weeks. I work from home, so my business came to a stop during my recovery. The apartment management had elevators for tenants to use and the one closest to us was broken down for several weeks, which made commuting outside the apartment unit very difficult at the time. XXXX XXXX did falsify and altered my signature on an elevator form, releasing them from any liability to the broken elevator. 
My lease agreement that I signed in XXXX, clearly states that if during an early termination of the lease, a Reletting charge of {$1000.00} is required. The XXXX XXXX XXXX is demanding we pay {$4300.00}! There are miscellaneous erroneous, inaccurate and false charges for damage to the apartment unit which under TX Property Code Title 8 Ch 92 Section 4 stated for Normal Wear and Tear is considered normal while occupying the dwelling. We are requesting for XXXX XXXX to reduce these false allegations and erroneous charges against us to the reletting charge of only {$1000.00}. We have filed for XXXX rental assistance through the city of XXXX to assist with this inflated final bill and we are being advised the XXXX XXXX XXXX XXXXefuses to honor the program offered by the city and government.