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

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under XXXX XXXXXXXX XXXX XXXX ( Civil Liability for Willful Noncompliance ), XXXX XXXX XXXX  XXXX ( Civil Liability for Negligent Noncompliance ), and XXXX XXXX XXXX XXXXXXXX ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA XXXX XXXX. XXXX ( XXXX ). 
Properly correct billing errors as per TILA, XXXX XXXX XXXX XXXX ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA XXXX XXXX due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

On XXXX XXXX I contacted the lender to remove the open status from my account and delete it because this is not accurate information and its hurting my XXXX XXXX and is preventing me from getting a job.
Product: Bank account or service

My mother opened an account at Bank of America ( BoA ) several years ago for the sole purpose of being sure she had enough money for her eventual burial expenses. She opened the account as a 'Payable on Death ' ( POD ) account in her name, my name and my XXXX brothers name. She passed away on XXXX XXXX of this year. 
On XXXX XXXX I visited the BoA branch were the account was originally set up. I presented my identification, a recent BoA account statement, and a copy of my mother 's death certificate issued by the state of Illinois. Rather than distribute the funds to me, BoA provided me a form which stated they would contact me by XXXX XXXX! You can imagine the embarrassment we experienced when we had to request the funeral home to provide us extra time to pay the funeral expenses. 
This seems not only unfair to my brothers and myself, but it seems that BoA deceived my mother when she set up this account. She did this for our benefit. If she had known that POD does not actually mean payable on death to BoA, she never would have set up this account. 
BoA has had the advantage of being able to make money from this deposit account for the last 10 years. This has caused immeasurable harm to our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX  XXXX XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

Capital One Bank, N.A. act # XXXX, showed up on our credit report in XXXX. This bank credit card was open under another account number which was included in my bankruptcy. At first I thought it was that account and that for some reason even though it was included in bankruptcy in XXXX that they had opened the card back up. I contacted the bank and they said the card was open and that they sent me a new card. I never received any card in the mail or any billing statement from XX/XX/XXXX to XX/XX/XXXX. I got a call from Capital One saying they were going to put a collection on my credit report if I didn't pay for this card and that they would hurt my credit. Since I work for the government and I didn't want anything else to hurt my credit or security clearance after I had filed a Chapter XXXX two years ago, I paid the card off and Capital One told me they would remove the derogatory statements from my credit if I paid. They never removed any derogatory statements from XX/XX/XXXX to XX/XX/XXXX and after further investigation including paying for all three of my credit reports, I discovered that this is for an account I am not even aware of opening and not the one that was supposed to be included in my bankruptcy. The company had the wrong address on file and had one of my old addresses too which I have had issues with the new person at this older address stealing property that is delivered to them by mistake that is for me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

I open a checking and saving account with this bank XX/XX/XXXX. I received an alert e-mail saying my account was low, and at that time I open my account on the computer that is when I saw {$14.00} that was in checking. XX/XX/XXXX and every month after that an automatic withdraw of {$600.00} was taken from my checking account. I call the bank and spoke to someone at the bank about my account. I was told an affidavit would be sent fill it out send it in and a investigation would be done. After that I received a a letter saying that the bank would not refund any of the money. The amount that was taken from my account was {$71000.00}. I then close my account.
Product: Checking or savings account

I have encountered fees when I have purchased items from certain vendors. Such as XXXX XXXX or XXXX. I make the purchase with fees in my account. The account debits the amount. Later, Citizens does not withdraw the amount. FOR WHATEVER REASON. I guess this is the part where they are going to make their money. They put the money back into my account showing I have more funds than I actually have. Online, it shows that I have the extra amount in my account. Again, what is the purpose of having online banking if the amounts are not true? I may have spent the extra cash but my account reflects online that I am able to deposit the money into my account at a later date to avoid fees. Why do you have this system in place saying if you deposit by 10 you wo n't get a fee? Next time I will take screen shots of how this took place. Better yet I will find a new bank.
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. 

U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  CC Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Debt collection

Collection agency called me at work and my cell phone in an attempt to collect a debt. When I asked them not to contact me at work as it is prohibited, they told me they would continue to do so. They have my cell phone number and can contact me via that method. The representative said then threatened to put this on my credit, to which I stated it already was by another collection agency. They wanted me to set up payment arrangements for this debt, I said I could not do anything at this time. They said they would mark it down as a refusal and hung up on me giving me no options to make any arrangements in the future.
Product: Credit card or prepaid card

an ex girlfriend used my card while i was out of town and spent all my money toaling in XXXX and bank of america is not doing anything to make this right. Not only have i submitted all the facts and details showing i was out of town while the charges occured and a police report along with the detectives card with contact info there still treating the matter as if my money dont matter. ive been hung up on by multiple reps and lied to by bank of america and yet they still just dont care to even make my sittuation right. please help me get my money back ive gone homless because of this and im currently living in a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE CONTACTED EXPERIAN NUMEROUS TIMES IN REGARDS TO A FRAUDULENT ACCOUNT THAT IVE NOTICED RECENTLY. I TOOK THE APPROPRIATE STEPS AS DIRECTED BY LOCAL LAW ENFORCEMENT TO CONTACT FTC IDENTITYTHEFT.GOV SINCE THIS WAS RELATED TO AN ONLINE MATTER. THAT WAS EXACTLY WHAT I HAD DONE, AND I HAD CONTACTED EXPERIAN MANY TIMES NOTIFYING THEM THAT MY IDENTITY HAD BEEN COMPROMISED. THEY NOT ONLY IGNORED MY REQUESTS, BUT CONTINUES TO LEAVE THAT FRAUDULENT ACCOUNT UNDER MY NAME, WHICH IS RUINING MY CREDIT AND PREVENTING ME FROM OBTAINING A VEHICLE LOAN THAT I REALLY NEEDED DURING THE COVID19 HARDSHIPS TO LOOK FOR A NEW JOB. I BELIEVE WHAT EXPERIAN IS DOING IS ILLEGAL UNDER THE FAIR CREDIT REPORT ACT. I WILL PURSUE THIS TO THE FULLEST EXTENT OF LAW IF THIS MATTER DOES NOT GET RESOLVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX has violated my Rights. 
15 US Code 1681 c2a consumer reporting agency shall block the reporting of any info in my file that I did identify as a reusult of identity theft no later than 4 days after the receipt.

it has been over 30 days and you are in violation of this law because I am a victim of identity theft.

I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. NO Consent IS IDENTITY THEFT, As a consumer i am demanding deletion immediately
Product: Debt collection

A debt collector company send me a letter that i debt off {$2000.00} for service on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX creditor XXXX XXXX XXXX XXXX. Now they send me a letter on XX/XX/XXXX 5 years later that i own them money i have medical until XX/XX/XXXX and i have a bankruptcy i went last year to the hospital for check up they didn't said anything. 

Have receipt off hospital Pictures of medical And bankruptcy That's phoenix financial services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Pictures available
Product: Credit card

I've consistently made sure that payments on this account are made on time, avoiding any overdue situations. However, I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report XXXX notice that there was incorrect info reporting. Two companies by the name of XXXX XXXX reporting as collocations account. Neither of these accounts belong to me. I reached out XXXX XXXX and they were not able to locate my info in there system with name and social security number. I sent letter to XXXX and Equifax explaining this!
Product: Credit reporting or other personal consumer reports

Payment was lost by the previous property management company before they switched over. The new company filed an eviction. Payment was reimbursed and reissued. 

My submission to CIC : 1. Proof of payment OVER judgment amount. 
2. I still live here, so I wasn't evicted nor was a writ of possession issued. 
3. Notice of NonSuit. How can BOTH the LANDLORD and JUDGE sign off on a court document, and it STILL not suffice for CIC? 

The actual sealing/dismissal of records per the court can take months. That is why the COURT advised me to submit this paperwork to the screening agency. 

CIC Response : " REGARDING YOUR HOUSING COURT DISPUTE CIC has contacted the furnisher of the information and have completed our reinvestigation of the disputed information. We have determined that the information originally reported is accurate and complete, based on current information provided by the court. Based on current information provided by the court, records show judgment in favor of the plaintiff for case XXXX. 



You will need to contact XXXX JP XXXX COURT TX - Civil Division to petition the court to have the information sealed and/or dismissed. Should you have further questions, you may contact the court directly. ''
Product: Debt collection

Credit Corp Solutions filed a lawsuit against me for unpaid debt on what I strongly suspect is a fraudulent credit card account opened in my name. The debt amounts to a total of {$1600.00}, due over 2 years ago on XX/XX/XXXX, with a statement closing date of XX/XX/XXXX. The original issuer is XXXX XXXX XXXX XXXX is the attorney for the plaintiff, and the pretrial conference will be on XX/XX/XXXX at XXXXXXXX XXXX 

I logged into that Credit Corp account and checked the contact details ( I don't have access to the account details ). I discovered some key things : 1 ) The email listed on the Credit Corp account is not mine -- I recognized it immediately as my sister 's. This explains why I hadn't received any emails for the past ~3 years. Receiving the pretrial conference notice was a complete surprise to me. 

2 ) That same email also appeared on my credit reports with XXXX, XXXX, and XXXX. 

3 ) I never lived at the address mentioned in the trial notice, which I also recognize as my sister 's previous residence. That address appeared on my credit reports too. So I disputed both the address and email with all the 3 aforementioned credit bureaus. 

4 ) Whoever opened the credit card account did so using my middle name, not my legal first name, so that's another mistake they made. ( I don't want to jump to the assumption that my sister was responsible for this, I don't know if she was framed or not ) 5 ) I don't recognize the charge that I owe the debt for, which is a " Promotional Purchase. '' I tried to look at those above transaction details to know more, but I came to a dead end because of these obstacles below : 1 ) XXXX account. I tried to check 1 ) the account details and 2 ) the transaction history, but I don't know the original account number besides the last 4 digits mentioned in the trial notice. I asked XXXX 's customer service for the Account ID I need to log in, but they just forwarded me to Credit Corp Solutions, so XXXX became a dead end. 

2 ) XXXX XXXX XXXX account. My First Name is wrongly listed too, but I haven't found any other relevant information about the fraudulent credit card account.

I think I've exhausted all my options for founding out more about this fraudulent account and what the transaction history looks like. My pretrial conference is in 3 weeks and I would like an investigation into this case. I hope to get an answer soon if at all possible and have enough time to prepare before the conference.

Below I attached my credit reports ( disputes still pending ) which show that fraudulent address, as well as a screenshot of the contact detail on the Credit Corp account.
Product: Credit reporting or other personal consumer reports

Issue Type : Mortgage Credit Reporting and Servicing Explanation : I am filing this complaint regarding an inaccurate 30-day delinquency reported by XX/XX/XXXX for XX/XX/XXXX. The delinquency was caused by a confirmed banking error from my financial institution, XXXX XX/XX/XXXX, which delayed my payment. Despite providing documentation from XXXX XX/XX/XXXXthat clearly acknowledges their responsibility for the error, XXXX XX/XX/XXXX has refused to amend the derogatory credit reporting. 

Details of the Issue : My payment for XX/XX/XXXX, was processed by XXXX XX/XX/XXXX through their bill pay system. Due to a technical error on their end, the payment was delayed and not received by XXXX XX/XX/XXXXuntil XX/XX/XXXX. 
XXXX XX/XX/XXXXhas issued a letter acknowledging the error and confirming that funds were available and intended to pay the mortgage on time. This letter was provided to XXXX XX/XX/XXXXon XX/XX/XXXX. 
XXXX XX/XX/XXXXrejected my request to amend the credit report, citing that XXXX XX/XX/XXXX is an " unauthorized third party '' and claiming they are unable to honor such requests under the Fair Credit Reporting Act ( FCRA ). 
I have attached the letter from XXXX XX/XX/XXXX, my payment history, and any relevant supporting documentation to demonstrate that the delinquency is not due to my actions or negligence.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint concerning multiple unauthorized inquiries on my credit report, with the exception of those made by XXXX XXXX. Upon reviewing my recent credit reports from XXXX, Experian, and XXXX, I noticed several inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against unauthorized access to their credit information ( 15 U.S.C. 1681b ). According to the FCRA, only entities with a permissible purpose should have access to my credit report. The presence of these unauthorized inquiries indicates a potential breach of my rights under this law. 
I request an immediate investigation into these unauthorized inquiries. I expect that any inquiry that can not be verified as authorized be promptly removed from my credit report. This corrective action is necessary to ensure the accuracy and integrity of my credit information as mandated by the FCRA ( 15 U.S.C. 1681e ( b ) ).

For your reference, I have attached copies of my credit reports highlighting the unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I AM UNABLE TO GET MY REPORT FROM THE CREDIT REPORTING AGENCIES. PLEASE TO UPDATE MY ADDRESS AND ENSURE THAT MY NAME IS AS LISTED ON MY IDENTIFICATION CARD AND REMOVE ALL OTHER VERSIONS OF MY NAME AND ADDRESSES THAT DOES NOT BELONG TO ME MY ADDRESS IS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

First point collection is reporting two accounts on my XXXX credit report. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. First point collection is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, First point collection never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.