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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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
Product: Credit reporting, credit repair services, or other personal consumer reports

MAJOR issue here. Back in   XX/XX/XXXX ,  I contacted  XXXX  after I received a letter about an  XXXX   XXXX  credit card application denial after never submitting an application. I contacted  XXXX , and they told me they would remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forwar d to  XX/XX/XXXX , a nd I 'm still regularly ( at least 2 times a month ) receiving application denials for the  XXXX   XXXX  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  XXXX , again, and was told they 'd remove the inquiries, even the one from  XX/XX/XXXX  still on my credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date Equifax is showing : Company Information :  XXXX      XXXX   Date of Inquiry :   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,   XX/XX/XXXX ,   XX/XX/XXXX ,  XX/XX/XXXX    XXXX  is showing :  XXXX   XXXX  Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX    Date :   XX/XX/XXXX     XXXX   XXXX   Date  :  XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX   And  XXXX  shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with  XXXX   XXXX , and  XXXX . Although this is n't so much  XXXX  's issue as they 've reset my  XXXX  account thinking I was a victim of a hacked  XXXX  account. Even after that, the issue is still occurring even after  XXXX  reset my account information. The issue is n't so much with  XXXX , but with  XXXX  repeatedly processing unauthorized credit requests for the  XXXX   XXXX  credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Account Number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX Opened XX/XX/XXXX, XXXX XXXX Account # XXXX Opened XX/XX/XXXX, XXXX XXXX Account # XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. I dont have contract with this Agencies they did not provide me with original contract as i requested. In accordance with Fair Credit Reporting act XXXX Accounts 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 a accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer reports, and I noticed some accounts, late payments, addresses and inquires posted on my credit reports. In accordance with the fair credit reporting act TRANSUNION has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNTS, ADDRESES AND INQUIRES IN QUESTION LIST BELOW. 15 U.S.C 1681SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 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 ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 USC 1681s 2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TOA CONSUMER TO ANY CUNSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXXXXXX XXXX XXXX XXXXXXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX  Please remove any names that are not XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Data Breach, XXXX and XXXX XXXX Violations, and Request for Immediate Discharge of Student Loans Dear [ Recipients Name or To Whom It XXXX Concern ], I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( XXXX  ) and the Department of Government Efficiency ( XXXX  ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : XXXX. XXXX discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
XXXX. XXXX notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that XXXX have resulted from this breach.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are all reporting information on my credit report illegally. 

According to 15 US CODE 1681a the consumer report DOES NOT INCLUDE : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, XXXX are reporting late payments on my credit that I never had and should never be recorded ANYWAY if I did have them. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX The late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY to CURRENT so it will stop damaging me financially and mentally. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX the late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY TO CURRENT They are also reporting the transaction and experience I had with XXXX XXXX XXXX date opened XX/XX/XXXX I NEVER GAVE WRITTEN CONSENT TO REPORT THIS ACCOUNT TO THE 3rd PARTY CREDIT REPORTING AGENCIES. I NEED THIS REMOVED IMMEDIATLEY. 

They are also reporting the transaction and experience i had with XXXX XXXX opened on XX/XX/XXXX I NEVER gave XXXX written authorization to communicate my private and personal info to the credit reporting AGENCIES.
Product: Debt collection

I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FC

RA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the re porting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

the bureaus refused to investigate the fraud that XXXX XXXX is doing to its consumers which are unlawful, they added interest fees and charges, they said the interest rate will be one thing and add what they want i got a {$25.00} dollar interest charge with a {$0.00} balance, which is fraud, this account is reporting negative on my credit profile but i shouldnt be i paid them they didnt even add the payment to my accounts and closed my card .i am challenging the information they are reporting such as open dates, balanced owed closed date, payment history .These bureaus are supposed to by law report true on my credit profile but several not true things are reporting on this account and they refused to investigate XXXX XXXX AFTER I DISPUTED THE ACCOUNT TWICE, I RECEIVED NOTHING BUT VERIFY I SENT A METHOD OF VERIFICATION AND WAS IGNORED BY ALL 3 BUREAUS .THIS ACCOUNT INFORMATION IS INACCURATE, I SIGNED UP FOR THE PROTECTION PLAN WHICH STATED WHEN I LOST MY JOB IT WOULD COVER MY PAYMENTS WELL IT DIDN'T THEY SAID THEY CANCELED THE PLAN AND I WASN'T NOTIFY. THAN THEY JUST JACKED UP THE INTEREST RATE, THEY HAD CHARGES I DIDNT AUTHORIZE ON CARD AND WHEN I CALLED THEM THEY SAID OH WELL,
Product: Credit card or prepaid card

Chase Bank allowed multiple companies to charge my card without my knowledge for over {$20000.00}. I have disputed the charges with Chase beginning in 2017. They now say after reaching out to CFBP in XXXX after 90 days, that I waited to long to go to you for them to be able to do anything. I have it from the merchants that charged the card that they did not have authorization, verbal or written, to make the charges and that the charges were not made in person. I have become exhausted, and can not afford an attorney. The business for which the charges were made has been dissolved and then all of a sudden the debt is showing up on my personal report. For years, I have been disputing and their over seas customer service did nothing, now when their main office is actually looking at it, they say it is too late. It is never too late to do the right thing, reimbursing the fraudulent charges, or removing the fraudulent business balance from my report is the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've complained about this account with XXXX XXXX numerous times with TransUnion. XXXX XXXX told me it was due to a bad check written to the original company ( the XXXX. I explained to them that my business was Incorporated I was not liable my business was of which I 've sent proof of that. Well since the do n't believe me, then I 'll go another way with this.the account is still showing as an open account, and it went over the XXXX year statue of limitations. It was a bad check that only has a statue of limitation of XXXX years. And does n't belong on my credit report.the other XXXX agencies saw the facts and removed this XXXX XXXX XXXX from my records. XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2021, XXXX XXXX bank closed both my Checking and Saving accounts. Since then, I have been constantly calling them to release my funds to me until last month they told me they wouldn't because the funds that were coming into the account were not in my name, thus the information did not match my account. The only funds that did not match my name were those from XXXX XXXX XXXX XXXX which were direct deposited funds for my cousin. She was having a marriage problem with her husband and decided to use my account to save her money. As at now the bank has not officially written to inform me about the closed account. The amount involved is about {>= $1,000,000}
Product: Credit card

On XX/XX/XXXX, my Military Star card, which had been opened since XXXX or XXXX of XXXX, and is importantly my oldest credit reported on my credit report, was closed, without warning or notice to me. On XX/XX/XXXX, I called Military Star card customer service and asked them why it was closed and if it could be reopened immediately. They told me it was closed due to inactivity, and that it could not be reopened immediately. If I wanted to reopen it, it would have to be after 90 days. 

I fear that if I wait 90 days to reopen it, it would show as a new account on my credit report and I no longer would have a XXXX account on my credit report. Having old credit accounts is beneficial in credit reporting and credit scoring. ( If you ask me, that's a form of age discrimination. ) While Military Star has a point that I had not used the credit card in a long time, I have had it for several years without ever being given notice of the repercussions of no activity. Even if they did not have my current email or mailing address, they did have my current phone number. Since Military Star customers are typically military people with little credit experience, it would have behooved Military Star to communicate with me via all means possible. 

My name is XXXX XXXX. My social is XXXX. My phone number is ( XXXX ) XXXX. My current mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$7300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I send Nelson, Cruz & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX a certified letter to provide documentation on a debt they are pursing. to prove the debt they say I owe is valid over a month ago. They have failed to respond and keep emailing me when I have asked them to stop. USPS Tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised to the point someone went as far as opening up and closing accounts in my name ; these accounts are unauthorized and unknown by me. Therefore Im demanding the immediate removal of the following accounts. 

1 ) XXXX XXXX Co {$1100.00} 2 ) XXXX XXXX Co {$170.00} 3 ) XXXX XXXX Co {$92.00} 4 ) XXXX XXXX XXXX {$47.00} 5 ) XXXX XXXX XXXX {$1100.00} 6 ) XXXX XXXX XXXX {$20.00} 7 ) XXXX XXXX XXXX {$75.00} 8 ) XXXX XXXX XXXX {$170.00} 9 ) XXXX XXXX XXXX {$20.00} 10 ) XXXX XXXX XXXX {$35.00} 11 ) XXXX XXXX XXXX {$16.00} 12 ) XXXX XXXX XXXX {$580.00}
Product: Credit card or prepaid card

2 charges on card i did not make. closed the card. Was issued a new card they put the charges back on there and stated we dont remove until we contact merchant and they state they will refund. CITI ADAVANTAGE
Product: Credit card

Goldman Sachs Apple Card dispute on fraudulent charge from XXXX was not properly resolved. It canceled my XXXX XXXX subscription that I had to restart. Refer to attached pictures. The bank billed me when subscription was cancelled. Subscriptions are billed in advance. 
Goldman Sachs Apple XXXX number XXXX I believe the bank violated Fair Credit Billing Act and ECOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

The fair credit act requires to verify the validation of the items within 30 days. Since 2016 I've been trying to validate with Experian BK XXXX and BK XXXX. Ive made several complaints through this portal, also I sent several certificate letters but as of today they havent sent me the evidence that those accounts belongs to me. Experian obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX ; they sent my consumer disclosure report to me which shows clearly that I dont have any bankruptcy in my records ; I sent Experian a copy of that report. However, theyre still reporting that the results of the investigation were verified as accurate. The law says that if the validity can not be verified, then, Experian is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that you contacted, address method of verification and you still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Experian is acting discriminatory against me, although Im an American citizen that lives in Puerto Rico instead of living in the states. Because of that Im planning to fill a lawsuit against Experian for violating the FCRA 611 ( a ) ( 7 ). Because of the Covid 19 all the process were delayed. To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.