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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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. 

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRES.
Product: Credit reporting or other personal consumer reports

Somebody opened bank account under my name in XXXX  XXXX XXXX, i recently find out this when try to open new account. and they reporting me to XXXX XXXX  and early warning systems for account abuse and fraud suspicious, i have reached both of them and XXXX  XXXX XXXX and ask them to remove this report from my name since this is not mine and provide them with police report about identity theft, XXXX XXXX  removed it but XXXX  XXXX XXXX and early warning systems refusing to do so. i sent them proof and send them police report but they refusing to delete this information and destroying my life because i cant get account i was decline at the job i need to resolve this im trying to fight this for more then two moth already i need help. 

The details of the disputed information are as follows : - **Name : ** XXXX XXXX - **SSN/Tax ID # : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX - **ID # : XXXX XXXX, **ID Type : ** Driver 's License/USA, **ID State : ** IL - **Alt ID State : ** IL - **Date of Birth : ** XX/XX/XXXX - **Bank Routing # : ** XXXX - **Account # : ** XXXX - **Account Type : ** Primary signer - **Incident Date : ** XX/XX/XXXX - **Principal Loss : ** {$940.00} - **Fee Reversal : ** {$0.00} - **Combined Loss & Fee Reversal : ** {$0.00} - **Paid/Unpaid/Settled : ** Paid - **Debt Paid in Full Date : ** XX/XX/XXXX - **Contribution Reason : ** Account Abuse Second account that not mine and need to be removed immediately The details of the disputed information are as follows : - **Name : ** XXXX XXXX - **SSN/Tax ID # : ** XXXX - **Phone : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX - **ID # : ** XXXX, **ID Type : ** Driver License, **ID State : ** IL - **Alt ID State : ** IL - **Date of Birth : ** XX/XX/XXXX - **Bank Routing # : ** XXXX - **Account # : ** XXXX - **Account Type : ** Primary signer - **Incident Date : ** XX/XX/XXXX - **Principal Loss : ** - **Fee Reversal : ** - **Combined Loss & Fee Reversal : ** - **Paid/Unpaid/Settled : ** Unpaid - **Contribution Reason : ** Checking Account Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.
Product: Credit card or prepaid card

On XXXX XXXX,2017 @ XXXX I checked in the XXXX XXXX XXXX for two nights. My XXXX card was charged {$230.00}. Hotel also requested {$100.00} for incidentals which I placed on a bank master card ending in XXXX.

XXXX last 5 on the card XXXX.

The morning of XXXX I went to the front desk and requested a check out after one night, because a snow storm was approaching New York. I did not want to stranded there.

Hotel clerk ok 'd the departure. Included his name on the invoice and wrote for one night, which I did request. I have had problems with XXXX before Charges were processed as stated on invoice total for the one night {$110.00} {$230.00} less {$110.00} is {$110.00} which should have been returned to my card within 5-10 days. As I begin to call about the return of my money to the card things became complicated. One supervisor said " it would take 45 days '', I kept calling, then I was given a phony number to fax any documentation I had as proof, the number was for the gift card department and not a fax machine. After two more wrong numbers I was given the right number for a fax machine. I paid {$14.00} and faxed the documents same Documents I 'm sending here. I called that same day to tell my story to the first responders who answer the phone and requested they give me a supervisor. this time it was XXXX. I explained to him what I had done ; he placed me on hold to check, he returned 5 min. later and said " they did not have them and he wanted me to resend them. I asked him if he really want me to go spend another {$14.00} totaling {$28.00} and send these papers. He said he would refund the money I spent faxing the docs. I strongly believe it not too be true of refunding {$14.00}, because of the anguish I have experienced just trying to recover the money they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracy/Violation # 1- The date of last activity does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate. 

Inaccuracy/Violation # 2- The open date does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. These dates must all match and be the same to adhere with the FCRA. 

Inaccuracy/Violation # 3- The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. Every month these dates are being updated to the most current which is against the FCRA. 

Inaccuracy/Violation # 4- The last payment dates do not match across the credit bureaus. XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy/Violation # 5- This account is reporting as past due amount of {$510.00} and collection accounts are not to be reporting a past du balance. This is also a violation. 

Other inaccuracies and violations include missing information. There is only one close date being reported which is with XXXX and that is on XX/XX/XXXX. The format is not matching any other date on the credit report and XXXX and Equifax is missing the close date. It is also reported that the term of this was 27 months, but the last payment date reported for XXXX, XXXX, and Equifax are all after 27 months. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.
Product: Credit reporting or other personal consumer reports

My credit report has incorrect, and incomplete personal information which makes it hard to apply for credit or even open new accounts. This is frustrating because this is my 3rd time sending a letter to update my personal information and no action has been taken! It is imperative to address the persistent issue of inaccurate and incomplete personal information on my credit report, hindering my ability to pursue credit applications or open new accounts with confidence.
Product: Debt collection

i continue to get calls from numerous people who hang up when you ask why they are calling you from phone number XXXX the reps are rude and they have no info on the who the actual bill is owed to.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Bank account or service

On Saturday, XXXX XXXX, 2016 we closed our TD checking account because TD started charging a {$24.00} fee. We were not informed and was never charged a fee before. On XXXX XXXX, 2016 I received an email from TD bank that the biweekly transfer of {$340.00} will be completed in three business days. So we went into the XXXX TD branch and they assured us that the transfer will not happen, that the transfer was turned off in the TD system. Well on XXXX XXXX, 2016 TD withdrew {$340.00} from our XXXX checking account causing our XXXX account to be over drawn. 
On XXXX XXXX, 2016 I just got another email from TD Bank that another transfer in the amount of {$340.00} will occur on XXXX XXXX, 2016. TD will now have {$690.00} of our money that we need for paying bills. This is outrageous. We have had so many problems with this bank, they should be fined for all the money they have taken from our account. Where is our money. Why does TD not realize that our account is closed. By the end of this week we will be out {$700.00}.
Product: Credit reporting or other personal consumer reports

SUBJECT : NOTICE OF DISPUTE REGARDING ALLEGED LATE PAYMENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I Hope this letter finds you well. I am writing to formally dispute an alleged late payment on my account as referenced in the case of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) AS part of resolving this dispute, I kindly request that you provide me with all relevant internal records verifying the timing of the payment in question specifically, i would like to review any documents, system log, timestamos, and transaction records that prove the date and time when the payment was received and processed by your institution. 

It is critical for me to verify whether the payment was indeed late as claimed. Providing these internal records will help clarify the situation and ensure that all matters are accurately accounted for. 

I look forward to your prompt response and resolution of this matter.please send the requested documents to the address listed above or via email XXXX XXXX Thank you for your immediate attention to this request sincerely XXXX XXXX
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 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 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

I have a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX  XXXX XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?
Product: Credit reporting or other personal consumer reports

XXXX XXXX I closed my XXXX XXXXXXXX Bank of America account as I was a victim of fraud. 
The hackers had all my bank information from a phone clone. 
My balance at that time was $ XXXX. 
When I called Bank of America on XX/XX/year>, I was informed that my account was closed and I would receive a refund by check in the mail for {$17.00}. plus paid companion fee of {$95.00}. 
I was planning to reopen my account as I have been a Bank of America customer for XXXX  years.

XXXX months later, I received a letter in the mail that my account was XXXX  months overdue and I had to pay {$450.00}. In late fees and interest charges.

The issues have not been resolved and the bank refuses to work with me. I have written to all the credit bureaus twice and they have not been of any assistance.
Product: Debt collection

The comany XXXX XXXX will not and has not sent me a deficiency notice about the my old reposessed car. They sent me an amount that I have to pay through email without any legal information. I have asked to send the notice and they do not want to. Up to the point where I had to tell them I was going to look for legal help. Ive emailed and called for the past year multiple times and no letter has been sent. Last time i emailed they said they sent the letter to an old address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint against Experian in the last year due to their inability to report correct nfo that have been properly VALIDATED AND VERIFIED as a legal debt. They continue to report debts that they have not verified. 

XXXX XXXX XXXX - {$1000.00} Has not peoperly validated nornverified this debt and I have repeatedly disputed it with experian and they continue to allow them to re report with WITHOUT PROPER VALIDATION OR VERIFICATION.
Product: Credit card

CapitalOne aggressively markets credit cards with the " cash back '' benefit. I have several card accounts, all of which are maintained in good standing for many years. I have been fortunate to pay off most of them, and for the most part, I pay the statement balances in full each month. Some cards I use only rarely, so because I'm not gaining any " cash back '' benefits, it is inappropriate to charge an excessive annual fee. For the particular card in this complaint, with only a {$1300.00} credit limit, a {$59.00} annual fee is excessive.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report. After reviewing the information provided by your agency, I have identified the negative accounts that appear to be erroneous, unfamiliar, or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DISCOVER BANK XXXX, XXXX XXXX XXXX XXXX company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, Isiah Guiden Enclosed : copy of ID and Utility Bill showing proof of address.
Product: Credit reporting

IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. ICOMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.
Product: Credit card

This is a continuation of case # XXXX where upon rectifying issues on prior complaint, I have now been charged additional fees. When Sears reallocated my XXXX payment to 1 ) pay in full the revolving debt of {$1500.00} and 2 ) apply the remaining payment toward the deferred billing of {$1100.00}, I was charged {$16.00} to do that. Sears treated my money as if I did a balance transfer toward paying the deferred bill. Sears took the {$16.00} out of my payment. I called Sears. Spoke with their dispute department and was told she could not do anything to help me with Balance Transfer Fees. I explained that this was how Sears handled my money to allocate in a fair-practice way. She reminded me again that when you do a balance transfer over the phone ( which I did n't do over the phone ; I used their convenience checks ) that the operator reads pages and pages of disclaimers. This is a nightmare that does not end.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a consumer by law and my information was misused and has accounts being reported without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Product: Debt collection

I have been contacting Enhanced Recovery for over a year to be ignored. The company has a fraudulent account reporting on my credit report on XX/XX/2015. I have been incarcerated in the Alabama Department of Corrections for the past 10 years and have never lived in XXXX, Michigan. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!
Product: Checking or savings account

Credit Karma has my account locked as soon as my direct deposit comes seem very suspicious on the company 's behalf. Issue hasn't been resolved and it's XXXX for XXXX sake I strongly believe someone is submitting false Financial SAR 's because there are fixated on the destruction of my well being. However Credit Karma is not helpful at all