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

i reach out to you guys regarding some items on my credit that are still not mine XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these items from my credit. I've already reached out to the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I keep getting calls from a XXXX at XXXX for a debt but they never state what it is. I went to their website ant it has me input my phone number to check on the debt that it is. I placed my number in and it states i owe money to Bank of America. I have not had an account with them since XXXX. That account was paid off more than 10 years ago. I called the number listed on the website XXXX and i am not able to speak to an actual person. It simply asks me to pay with the automated pay system or to chat online with someone on their website. I believe they are trying to take money fraudulently. I have been getting calls from them for quite some time now in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to credit bureaus. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. 

On my TRANSUNION report there is a " according to 15 US Code 1681a 2 ( A ) I excludes information that is solely based on transactions or experiences between the consumer and the creditor. How does TRANSUNION know how much I paid for bankruptcy? THIS IS ERRONEOUS REPORTING AND I DEMAND A DELETION OF THISB BANKRUPTCY ACCOUNT.

I AM EMOTIONALLY DISTRAUGHT AND TIRED OF TRANSUNION REPORTING THIS BANKRUPTCY AS SUCH AND IT COMING BACK VERIFIED FROM XXXX. 

YOU ARE REPORTING INACCURATE INFORMATION AND I DEMAND A DELETION. THIS IS MY LIFE THAT IS ON STAKE HERE, MY CREDIT WORTHINESS, AND DEFAMATION MY CHARACTER. DELETE I ALSO SUBMITTED THE CASE SUMMARY AS OF XX/XX/2023 SHOWING YOU THE ERROR OF THE CASE NUMBER THAT IS BEING REPORTED INACCURATELY AND INCORRECTLY. THIS INFORMATION IS NOT THE SAME AS PACER AND THEREFORE YOU HAVE NOT GOTTEN YOUR INFORMATION FROM THE COURTS BECAUSE THEY DO NOT VERIFY WITH CREDIT BUREAUS. 

DELETE THIS ITEM FROM MY TRANSUNION CREDIT REPORT immediately!! STOP VIOLATING MY CONSUMER RIGHTS AND THE RIGHT TO MY PRIVACY!!
Product: Credit reporting or other personal consumer reports

Per the 1974 privacy Act it concerned me that I had to dispute several time to have my personal information updated to my current address and phone number ; XXXX, XXXX, and Experian violated my privacy by revealing several addresses, phone numbers, and inquiries ; More importantly, XXXX has not corrected the issue concerning my personal information. Furthermore, I believe this is willful negligence on behalf of each reporting agency!! In addition, I'm afraid my personal information could have be open to Identity theft.
Product: Debt collection

I have never done any business with this company. but they have roped up on my credit report, reporting negatively about a debt that I do not owe them, they bought it from XXXX XXXX XXXX. I filed bankruptcy in XXXX XX/XX/XXXX it was discharged. yet this company has made my already challenging credit score lose about XXXX points because of there deceptive behavior. I have sent them a remitted payment on the coupon they sent me by mail. but if they are in violation then I should not have.
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. 

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 XXXXXXXX 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 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 recently discovered that I'm a victim of identity theft, as reviewed a copy of my ChexSystems report. I found numerous accounts and inquiries on my credit report that were not open by me. Specifically, an unauthorized overdraft account from XXXX XXXX XXXX and multiple unauthorized inquiries from various institutions have appeared on my report. Despite my efforts to resolve these issues with ChexSystems is causing significant harm to my financial reputation, hindering my ability to obtain financial services, and it feels like Im being punished for this injustice. Please remove and delete the fraudulent account and inquiries from my report immediately! 

In addition, there are numerous unauthorized inquiries on my ChexSystems report from various institutions. Please remove and delete the fraudulent account and inquiries from my report as soon as possible. 
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 XXXXXX/XX/XXXX ***Fair Credit Reporting Act ( FCRA ) *** - 15 U.S.C. 1681c-2 : Block of Information Resulting from Identity Theft A consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft. 
- 15 U.S.C. 1681i ( a ) : Procedure in Case of Disputed Accuracy A consumer has the right to dispute any inaccurate or incomplete information in their report, and the reporting agency is required to investigate and correct the information.

- 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Furnishers of information must notify consumer reporting agencies of any dispute regarding the accuracy of the information they have provided.

- 15 U.S.C. 1681c ( a ) : Requirements Relating to Information Contained in Consumer Reports Consumer reporting agencies are restricted from including negative information that is beyond specific time frames in their reports.

- 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/2019 has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 602A section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts belong to someone else. I am a victim of id theft XXXX XXXX XXXX XXXX XXXX Never late XXXX XXXXXXXX XXXX Never late XXXX XXXXXXXX XXXX XXXX Never Late XXXXXXXX XXXX XXXXXXXX Account is fraud not mine XXXX XXXXXXXX Account is fraud not mine XXXX  XXXX XXXX XXXXXXXX Account never late XXXX XXXX XXXX Account never late XXXX XXXX XXXXXXXX Account is fraud not mine XXXX XXXX  XXXX Account is fraud not mine XXXX XXXXXXXX XXXX  XXXX Account is fraud not mine XXXX XXXX Account is fraud not mine XXXXXXXX XXXX  XXXX Account is not mine XXXX XXXX XXXXXXXX Account is fraud not mine
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. 

List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federal protected consumers right to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Negative Accounts from TransUnion Dear CFPB, I am filing this formal complaint to demand the immediate removal of XXXX negative accounts reported by TransUnion on my credit report. These accounts are inaccurately reported and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ). 
Negative Accounts to Be Removed XXXX. XXXX XXXX Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : 30 Days Late XXXX. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off
Product: Credit reporting or other personal consumer reports

I recentry reviewed a copy of my report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Money transfer, virtual currency, or money service

I transferred {$2400.00} to Robinhood Markets from my XXXX XXXX account. I did not purchase any investments with this cash. Robinhood has restricted my account without explanation and is asking to verify my identity before letting me withdraw funds. They are asking for a picture of my social security card, drivers license, and bank statement. I have a drivers license and bank statement, but I do not have access to my social security card. I am attempting to get a new social security card from XXXX but it has been challenging because all offices are closed due to covid. 

Robinhood is not responding to my requests to verify my identity in other ways, including providing a picture of my passport, copy of w-2, title to my home, proof of insurance, etc. They have not been responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the incorrect information concerning a bankruptcy. They took it off then put it back on my report. The credit reporting is obligated to report the right information. Their old address that I have never live at and past debt obligation that no longer exist. Please report accurate data
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}, XXXX XXXX XXXX Balance : {$4000.00}, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commision ( FTC ) Identity Theft Report as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations your agency perpetrated under the FCRA, while notifying your agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.
Product: Credit reporting or other personal consumer reports

This is to follow up in regards with the ongoing issues related to my credit report, specifically the inaccurate addresses and unknown inquiries. Despite my numerous attempts to address these inaccuracies, this letter marks my XXXX effort to resolve the matter. Each time, I provided detailed information, including supporting documentation to substantiate my claims. Despite these efforts, the inquiries remain unresolved, which continues to negatively impact my credit score and financial standing. The inquiries in question were not authorized by me. I have repeatedly requested their removal, yet they remain listed on my report.I trust this provides sufficient proof to rectify these issues promptly. Kindly help me help Investigate the unauthorized inquiries listed on my credit report. and remove all inquiries that were not authorized by me. Please note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The continuous failure to correct these errors is a violation of my rights under the FCRA. Kindly help me remove the following items immediately : 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 or other personal consumer reports

To Whom It May Concern : To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal permanently closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE LATE PAYMENTS IN THESE ACCOUNTS THAT ARE INCORRECT, I ALWAYS PAY EVERY ACCOUNT AND I NEVER WAS LATE. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

There is electric bill under my ssn for XXXX XXXX XXXX XXXX, NY. I have never lived at this location. I contact the management company and because this address is public housing, tenants do not pay all bills are included in the rent. I called the company and I was not given any information about this account and the representative was not able to provide and reason, dates, or explanation as to how the company received my information
Product: Credit reporting or other personal consumer reports

My account with XX/XX/XXXX, AND XXXX XXXX was never late! I have had exceptional payment history witHXX/XX/XXXXl XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXX, XX/XX/XXXX XX/XX/XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports