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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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

This is my other 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a fraudulent XXXX XXXX XXXX account on my credit file that was opened on XX/XX/XXXX.XXXX  and Equifax is reporting a fraud account from XXXX XXXX that was opened on XX/XX/XXXXXXXX is incorrectly reporting that my name is XXXX, XXXX, XXXXXXXX is incorrectly reporting addresses of XXXX XXXX XXXX and XXXX XXXX XXXXXXXX and Equifax is reporting a XXXX account on my credit file that don't belong to meAll 3 Credit Agencies are incorrectly reporting that I was late from XXXX to XX/XX/XXXX on my XXXX XXXX XXXX, please remove these inaccurate lates.All 3 Credit Agencies are incorrectly reporting that I was late from XXXX to XX/XX/XXXX on my XXXX XXXX Account, please remove these inaccurate lates.Equifax is reporting incorrect address:Incorrect Address: XXXX XXXX XXXXXXXX is reporting incorrect addresses:Incorrect Addresses: XXXX XXXX XXXX and 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 XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 a wire transfer was made to my account in the sum of {$300000.00}. This came from my investment capital and profits I made with A legit company. The very next day I made a withdraw of XXXX and a few hours later Bank of America froze my account. They stated they were investigating the wire, and it will take up to XXXX days. The bank sent me a letter stating they made a decision to close my account and if my account has a balance after its closed theyll send a check payable to the name on the account. I never received anything. Ive made over 10 attempts to get my funds in person with the bank and over 20 phone calls. Nothing is being done. Theyre requesting the sender to file a claim to get the funds back but they are not releasing it to me. First they told me do I have any proof that the funds were for me. I come to the banks with documents they turn me away. They even claimed that it was a claim made that the funds werent meant for me which was not true at all. All this time no claim has been made against the wire they had more than enough time to investigate and hasnt came up with any fraud, they just not trying to give me my funds. This is ridiculous, Im far behind on my bills and payments do to this. Its just discrimination, they have no reason to not release my funds that was in my account that was transferred through a wire to me. With all this time they had to investigate and they come up with nothing and they still arent going to release my funds after my account been closed since XXXX XXXX today is XXXX XXXX. That is ridiculous. I need help this has to be illegal what they are doing to me.
Product: Credit reporting or other personal consumer reports

Good evening I am a consumer by law and this complaint today was not sent in error and I am writing today because on XX/XX/2023 I sent out a dispute letter to Equifax and still till today I have not received correspondence or any indication that the accounts disputed were investigated. I have these false accounts that are not 100 % accurate on my credit report and this is unacceptable. I have attached all the necessary documents along with this complaint.
Product: Money transfer, virtual currency, or money service

PayPal decided to shut down my account and placing a permanent banned on my account or any new accounts I open without any reason giving
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GEORGIA XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXX Someone at the agency signed for it on XX/XX/2021 I, the consumer, and the Creditor for each account that is being reported on the consumer credit report is being reported without the consumer 's expressed written consent. XXXX  AND EXPERIAN was sent an affidavit of truth stating that I am the original creditor and XXXX  AND EXPERIAN has 10 days to remove ALL ACCOUNTS that are in direct and indirect violation with the FDCPA 15 USC 1692 ( entire section ). Each account on the consumer 's profile is false and misleading because, I, the consumer never gave XXXX  AND EXPERIAN any written express consent to place inaccurate information on the consumer report pursuant to 15 USC 1681a ( e ) and XXXX  AND EXPERIAN is in receipt of the INVOICE I sent that shows they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX and its criminal executives such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX committed multiple crimes such as 18 U.S. Code 241, 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).
Product: Debt collection

The portfolio recovery company reported to XXXX on XX/XX/year> that I have a debt of loan type Factoring company account for {$530.00} that is not mine. I am a victim of identity theft thanks to a leak from XXXX earlier this year including and old address where I have not lived in more than 20 years. The creditor was Synchrony Bank which authorized a loan on XX/XX/year> that does not belong to me. I have perfect clean credit, but due to the portfolio recovery showing this on my credit report until XXXX I need to make sure this is corrected from my credit report and completely removed. 
I am not responsible for this debt, and I hope this can be fixed as expeditiously as possible.
Product: Credit reporting or other personal consumer reports

Recently I did and investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 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 rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft not my accounts I have within the ftc also
Product: Credit card or prepaid card

I first received an alert from several of my credit monitoring sites that a Comenity Bank just took a hard look at my credit report! I then tried to call this XXXX bank to ask what the XXXX they are doing checking my credit reports and there is no way to contact these people without giving them an account number. I then tried online and same thing. Apparently this is for some type of an XXXX XXXX card credit card that I did not apply for, nor would I ever apply for. I am not sure if this XXXX bank and their tactics are a fishing attempt to get me to apply for this credit card. I take pride in my credit rating and when I loose points for these credit history searches that could cost me in the future from gaining the best interest rates on loans, it XXXX me off. I just received a letter from this bank about this credit card, that they need me to call them within 14 days because they have to confirm some information they do not have. Sounds like fraud or stolen identity fishing to me. I also went thru this situation about 15 years ago when several banks and credit collectors were contacting me about debt that did not belong to me but another XXXX XXXX with same middle name initial. That is what corrected that problem. I am not dealing with these XXXX banks. I just wanted to let you know in case this bank is pulling this XXXX on others, then hopefully they can do something about this. Also tell this XXXX bank to list a service number so I can stop this application for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters asking for verification of the company listed below. This account has not been verified by the company below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If, 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.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies XXXX XXXX, Experian, and XXXX did not follow the following laws after the notice my notice of dispute was submitted : 1. FCRA Section 623 ( a ) ( 3 ) and 2.FCRA Sections 623 ( b ) ( 1 ) ( A ), 3. FCRA 623 ( b ) ( 1 ) ( B ), and 4. FCRA 623 ( b ) ( 1 ) ( C ) in regards to their duties after my Notice of Dispute was submitted by USPS Certified mail. The following are my most recent notices to the credit reporting agencies. 
1. Experian - USPS CERTIFIED MAIL : 9XXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Date XX/XX/2024 XXXX. XXXX - USPS CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024 XXXX. XXXX XXXX - USPS CERTIFIED MAILXXXX XXXX XXXX XXXX XXXX XXXX - Consumer ID XXXX -- Dated XX/XX/2024
Product: Credit reporting or other personal consumer reports

No actions has been taken by the company XXXX. I have taken all actions and necessary steps XXXX XXXX has asked me too. XXXX XXXX could not help me. I was passed around from department to department as you will see below as I took notes of each person I spoke with. Faxes where sent etc and I have not received any feedback/response from XXXX to have the inaccuary reportings removed from my credit report. I would like for someone to handle this matter immediately Notes On XXXX  XX/XX/XXXX, I received a call back from XXXX in the executive office stated I needed to call XXXX XXXX XXXX  at XXXX to dispute the fraudulent transactions from XX/XX/XXXX thru XX/XX/XXXX. I called XXXX XXXX XXXX Department, spoke with agent XXXX XXXX XXXX she couldnt help me and advised me to call base Collections department at XXXX where I spoke with agent XXXX ID # XXXX stated he saw in the account where I submitted those Transactions disputes a number of 3 times on the year of XXXX and they all came back valid. I expressed to XXXX that Ive requested via fax and phone for XXXX to provide proof of my responsibility of those transactions. XXXX stated I need to speak with another department at phone number XXXX and they are open XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX  XXXX called XXXX, spoke with XXXX in XXXX XXXX XXXX XXXX department where that department if customer not satisfied with dispute results and can request for proof transactions are customer responsibility. XXXX stated there were XXXX cases on file and they all your rules as valid. I requested for XXXX to send me via mail or email proof that I am responsible for the charges, XXXX stated I needed to speak with another department. I then spoke with XXXX ID # XXXX in XXXX XXXX Department where she stated I had already filed XXXX cases of the same issue dates of XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XXXX stated I needed to file another claim. At that point she couldnt help me neither. Throughout this entire process I have been getting the run around from XXXX since XXXX for this XXXX Account. No one can assist. Every department is putting the matter off on another department to where this entire process has become extremely frustrating and exhausting. I have never received any letters from chase in response to the XXXX cases that were filed. I ask for proof, they have failed to provide proof over a course of XXXX months. 

I would like for this account to be removed from all my credit profiles this negative and i account is reporting on.
Product: Credit card or prepaid card

I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges XXXX. XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and XXXX, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. 
Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 XXXX XXXX XXXX 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a XXXX balance and my invoice paid. Thank you any question call me XXXX.
Product: Credit card

back in XX/XX/XXXX I request to close my secured card, and they kept all of the security deposit XXXX to bring the card to Zero balance and they reported it as closed by consumer request. 3 months later they start reporting every month that i was late? they put XXXX late payments on me and changed it to charge off? saying i owed a pental fee? they never told me about and ruined my credit Capital one. then they set it that i could not call regular customer service i had to speak with the ceo administrator and she talked to me like i was less than a person saying i owed an additional XXXX for closing the account. they never told me that. so now i have XXXX missed payments so they say and it says charge off. please correct it because i had not missed any payments in years XXXX payment in XX/XX/XXXX please correct and give them a penalty for being dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked My Credit report on Equifax and seen a XXXX credit reported filed there..This XXXX has tried several times to report a fake report saying I owed this XXXX and They had been report to Vermont consumer affairs and was told they could n't do that and I had Disputed This XXXX Account several times even with XXXX..Now XXXX had XXXX XXXX XXXX file on Equifax I was never contact by this XXXX XXXX XXXX so i could dispute it with them..So I Filed a Dispute with Equifax and All I got from them is the had contacted them and I am not able to get on Equifax site to follow up with them or contact them or  such..XXXX  tried to add or change My Account so they could charge me more and I paid My last account and they tried to bill me more and I canceled My account with them and they was reported..I am not still able to get on Equifax site to follow up with them and Add anything to the Dispute and they have not done nothing to rectify this situation..I have still tried to get on the Dispute Site to check and file and its been over 30 days..I do not even have the account number to this Account or papers on it no more because this was back in 2014 and thought they was gon na grow up..This is the dispute file number they had giving me..XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a settlement agreement with XXXX XXXX. The amount agreed upon was honored and paid. this should be reported on my credit report as settled and zeroed. XXXX XXXX has since updated my credit report showing a balance less what I paid. I can not get this resolved with either experian or XXXX even after uploading proof documents to experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXX, US DEPT OF EDXXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I had a complaint that was filed in error on XX/XX/XXXX to Experian. I was complaining about these two : 1.XXXX XXXX accounts OPEN XXXX ( # XXXX ) 2.XXXX XXXX accounts OPEN # XXXX that were discharged in a  Bankruptcy XXXX. They were still showing on my report when I do not owe on these accounts that should have been removed in XXXX. My new XXXX XXXX account was accidentally disputed even though I never put my new account in the dispute an agent from Experian contacted XXXX XXXX by phone and had my XXXX XXXX # XXXX account put in as fraud and it has been deleted. I need my account off of restricted status ASAP! THIS IS A ERROR PLEASE FORWARD A CORRESPONDED THAT IT WAS DEFINATELY A MISTAKE.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX claiming that I owed them {$6100.00}. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR Business Taxes. I contacted the City of XXXX XXXX about 9 months ago via mail and stated that I was exempt from these taxes because I work from home and am in a unincorporated area of XXXX XXXX XXXX. LAMC Section 21.03 literal language states that a business is exempt from these city taxes if they operate in these unincorporated areas. I have lived in XXXX since 2020. My addresses were XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA and now I am at XXXX XXXX XXXX XXXX, XXXX, CA. after writing the city about this matter I never received a response therefore I don't know how this was sent to collections.
Product: Checking or savings account

Bank of America discriminated against me and closed my bank account for me using my right to freedom of speech. They also trespassed me from their property and used a collective act of racism to do so