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

XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX Subject : Demand for Correction of Credit Report Inaccuracies per CFRA as a federally protected consumer. I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act and other applicable regulations, including 15 U.S. Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling consumer information with fairness, impartiality, and respect for privacy. 

As a consumer, I have the right to protect my private information from being shared, as outlined in 15 USC 6801. This section states that " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Notably, the " furnisher of information to credit agencies, '' qualifies as a financial institution under this statute. Furthermore, 15 USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like Transunion, XXXX, and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the furnisher of information, does not possess written consent from me to access my personal information. Therefore, as a federally protected consumer I am now opting out of any-and-all authorization I, the consumer may have given you- written, unwritten, verbal or nonverbal per 15 USC 1802 with instructions of the following- ONLY : - Inquiries - previous address ( non-mailable ) - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - status loan term. I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA, on each of my consumer files with the three bureaus. IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 

The only current personal information I verify as accurate reporting is the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX Payment status, reporting and remarks for all accounts to be updated to paid as agreed/on time. 
Usage for all accounts to be updated to 0 %. 

The CFPB definition of Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Information added to your report without your written consent could be considered Identity theft. I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX i submitted a dispute to transunion on XXXX XXXX ,2017 today is XXXX XXXX ,2017 and there is no response or update at all now ive called transunion and they hang up on me or leave me on hold like today for 3 hours and hang up the item im disputing transunion has on file # XXXX the collection agency shows a amount of XXXX $ and name of XXXX XXXX XXXX and the reason im disputing is because they have sent no proof of how they are validating my information because they have non please this has affected my credit severly and caused financial ruin with my credit in the dumps you can
Product: Debt collection

Remove the fraudulent accounts from my credit report immediately ; Equifax 's denial is unacceptable, and failure to comply will result in legal action. I demand prompt action in accordance with the law to ensure my credit report is accurate and free from fraudulent accounts, with written confirmation of the removal. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$18000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} .
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXXBalance Owed : XXXX.
Product: Credit reporting or other personal consumer reports

I recently received my credit report from Experian on XX/XX/XXXX. And I saw some hard inquiries that do not have permissible purpose nor was I notified prior to them being added to my report. I also have provided evidence along with the names and dates of the hard 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 XXXXXX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violations of 15 USC 1681b.
Product: Debt collection

On XX/XX/XXXX I received a letter from debt collector Unifund CCR to inform me that they are servicing an account that is owned by Distressed Asset Portfolio III, LLC with a balance of {$9900.00}. The letter states that unless I notify their office within 30 days of receipt of this letter that I dispute the validity of this debt they will assume this debt is valid. The letter does not state that I owe this debt nor does it state that I am the owner of this debt. I sent a response letter to Unifund CCR via certified U.S. Postal Services on XX/XX/XXXX. In the response letter I formal dispute their claim and I requested that Unifund CCR provide me with validation, that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them or Distressed Asset Portfolio. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that Unifund CCR placed this account with them for collection. I was given another 30 days to dispute the claim. So, I sent XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating that this account has been placed with them for collection by Distressed Asset Portfolio.So, I sent XXXX XXXX XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
I sent another letter to Unifund CCR on XX/XX/XXXX as a third attempt requesting validation of all accounts of their claim. No response received. 
On XX/XX/XXXX I received a court Petition from the State of Texas saying I am being sued by Unifund CCR for breach of contract in the amount of {$9900.00} plus attorney fees of {$3300.00}. In each letter I sent to the above parties I stated that failure to receive their response within 30 day of receipt of my certified letter may result in small claims legal action against their companies at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices section 807-8 and violation of the fair credit reporting act section 623-b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the dealership, shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department. I am doing this on my own and I need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED, USDOE/XXXX, XXXX XXXX XXXX XXXX USDOE/XXXX. INQUIRIES : XXXX, SXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an XXXX prime visa credit card to get a discount on a book. Was supposed to be the only thing ever purchased on the card for {$4.00}. Then after that I changed it back to my XXXX XXXX card. XXXX on repeated occasions billed the XXXX XXXX card without my permission. As of today, a card that has been deactivated for months, XXXX tried to make it as my payment method. I have called XXXX and Chase and neither has been able to figure out how do do this. My credit score is down 100 points or so due to this. I have attached a picture from XXXX CST on XX/XX/2020 showing this.
Product: Checking or savings account

See XXXX. You closed my case vs. BAC but it kept my money. Its reason was that since it had lost my signature card ages ago, the account was theirs. Your agency accepted that. I have not received a bank statement re my {$3500.00} since you closed the matter. It is not my fault they lost the card. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete.

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company.

This is a violation of 15 USC 1681s-2
Product: Debt collection

They continue to call relatives when I have specifically told them not to contact relatives threatening them. They continue to call my work threatening me. I asked them for information sent via mail and have not received any paperwork.
Product: Debt collection

I received a call from a XXXX XXXX claiming he was a lawyer with XXXX XXXX XXXX and that I was due to be receiving a judgement against me for a total of {$3700.00} either at my home or place of employment and to call him back at XXXX XXXX XXXX.

When I called him back he refused to provide me additional details and insisted that I was going to be served this judgement, would not provide documentation as requested, told me that I was being charged with fraud, and hung up.

Later that same evening my mother received the same phone call from this person with the same claims.

This morning I received a call from a XXXX XXXX at XXXX   stating " My name is XXXX XXXX. At this time I have been retained to come in contact with you to serve you legal notice either at your home or place of employment. If you need to reschedule delivery please call XXXX. '' On XX/XX/XXXX I called the local police and was advised that this was a scam and to contact consumer finance and not give out any information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( XXXX ). Accounts : XXXX, XXXX, XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in summer XX/XX/XXXX and again in early XX/XX/XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to my report. it is illegal for an item to be added back to my report without you getting written notification 5 days prior to it appearing. This was transunion issue and not mine. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. The representive XXXX that I spoke with told me that he would not be removing them as of XX/XX/XXXX at XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I am asking that TransUnion stop victimizing me. As a resolution, i am asking that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Debt collection

I recently learned that XXXX XXXX XXXX, a debt buyer who is not an attorney or bank, accessed my XXXX credit report on XX/XX/XXXX without my permission or consent. I have no previous or existing contract with them and there is no legal reason for this company to access my personal information. I have had ongoing issues with identity theft for almost a decade and do not appreciate this company 's continued attempts to extort money out of me for debts that are not mine. I previously filed a complaint on them for accessing my credit report without my consent on XX/XX/XXXX and told them they are not to contact me or misuse my information for any reason. I am documenting all violations of my FDCPA rights and have a retained attorney for my identity theft issues.
Product: Credit reporting or other personal consumer reports

Account with XXXX XXXX XXXX is closed and disabled. According to Credit Karma the account is open. The account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Product: Credit reporting or other personal consumer reports

there's a job listed on my report and i'm no longer affiliated with that company. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX the spelling of my name is incorrect the correct spelling of my name is XXXX XXXX XXXX incorrect spelling : XXXX XXXX incorrect spelling : XXXX, XXXX, XXXX incorrect spelling : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below 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 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 an 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
Product: Student loan

After graduating XXXX XXXX in XXXX 2017, I submitted a request for an income-driven repayment plan with my prior loan servicer ( XXXX ) which was approved with a payment of {$0.00}. When I began my residency in XX/XX/XXXX, I applied for PSLF as I would be working for a XXXX XXXX. I was accepted at that time but switched to a different loan servicer, XXXX. I then received notice that I would need to begin paying back loans on the standard repayment plan. After spending much time on the phone, I was told that I would need to reapply with the same form for an IDR plan again. Their explanation was that my prior servicer did not forward that information to them. Some time later, I receive notice that I was rejected for IDR plan since I did not supply my spouse 's income information. I do not have a spouse. Again, after another phone call during work hours in my XXXX XXXX, I was able to correct this information and get approved. I received an email confirming my enrollment in an IDR. However, this IDR would not go into place until at least 1 month after my grace period ended. Somehow, even after submitting my income information, I received a bill for over {$2000.00} to be paid one time before my IDR would begin. XXXX 's explanation is that their bills are made 28 days prior to due date. So, because of their error, I was forced use forbearance and capitalize my loans once again. I am actually calling XXXX right now to correct the type of IDR they have given me. This experience is not unique. At least 4 other residents in my program have had the exact same experience. It is unacceptable that it takes 6 months or more to correct this issue. Working people do not often have the luxury to make this many phone calls. I also believe more interest is accruing as a result of these practices and errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow Someone opened an online account with XXXX and Equifax at this point my identity was used to do so.
Product: Credit reporting or other personal consumer reports

I discovered these alleged hard inquiries. I do not recall authorizing these inquiries and I would like to see these deleted 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
Product: Checking or savings account

Wells Fargo charged me for fees, sating that I had drained my account of XXXX $ I said that I was working in XXXX XXXX..they insisted I was in XXXX XXXX at a gas station. 

I had to get a new account ... while being out of money. 
I had an expired ID.. they allowed me to open an account. 

Apparently they kept this account open..and I could check on its balance for some reason years later. 

I then read about branches of wells Fargo funneling money through expired accounts. 

This company has over charged me fees through meticulously Rearranging debit card transactions ... for years and I can only pay them. I have paid XXXX $ for a pack of gum and a sandwich at one point.

They forced higher prepaid credit limits on me, with out my consent..stating that I should have just said no. Essentially they broaden my credit limit..which means..I now owe them ... at first XXXX XXXX then XXXX XXXX and now XXXX XXXX They never asked me..they just raised the amount and forced me to pay it ... with ... ridiculous fees if I don't meet their quotas. Now I'm stuck in their game. I called them ... they shrugged me off. 

I can go on if you need to contact me further.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XXXX. XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX
Product: Credit card or prepaid card

I have been in contact around XXXX or XXXX moths send about XXXX emails and about XXXX phone calls. 

This situation is about a lost credit I explained everything in great detail. At XXXX point I was everything has been determined that you are not responsible for any transactions in XXXX of my calls went regarding my new card replacement and more details regarding this situation. I was told as mentioned previously not to worry everything has been determined youre not responsible and you card was ship out. I received the card. 

Later I received a email saying that I was advised you are. I response and front that point forward. I was told that information was escalated. I don't receive any assistance on how to speak or communicate with that department all I received your claim was escalated. 

My last was today see below. 


XXXX XX/XX/2022 In other words is escalated to another department and you can't get them to provide any information regarding this situation or provide me a contact number. 
You refer me to a customer service department that they don't have access to this situation we go back and forth. 

I keep tell you this is very poor service and unprofessional service this is been going on for 4 months. 

You have broken laws pertaining customer protection act. Under many government agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Tried linking bank accounts to transfer among them. Three banks are involved : XXXX XXXX XXXX PNC  They refuse to cooperate with each other to facilitate the linking of accounts to enable me to transfer funds among them.