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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, SYNRONCHY BANK XXXX PULL MY CREDIT W/O PERMISSION.
Product: Bank account or service

I a Bank of America account for payments for unemployment benefits from the State of California. I have not been able to withdraw funds from this account because this bank has waited almost a month since my card expired on XX/XX/2016 to mail a new XXXX. Though the bank says one was mailed out on XX/XX/XXXX, it is still not here. Meanwhile, I have bills and other financial obligations. Though there is money in the account and I can login to the online account, I can not transfer the money, or withdraw it any other way, except to have it wired via XXXX XXXX, requiring me to pay a fee for the transfer. Since this is B of A 's fault, I should n't have to pay them anything.
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 3 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responded within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : XXXX bank credit card XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted " XXXX XXXX XXXX XXXX XXXX '' to obtain a free quote for the cost of building a deck on my home. XXXX XXXX XXXX and his driver came to my home that same day and did provide a estimate. XXXX was very persistent in his attempts to get me to conduct business with company that day, but I advised XXXX  that I only wanted a quote and that I still had to meet with other companies. Al was also persistent in attempting to have me provide him with my social security number so that he could begin the process of securing me a credit line and building my deck. I repeatedly told Al that I would not be giving him my social security number. On XX/XX/2021, I begin receiving alerts that an inquiry was made on my XXXX, XXXX, and XXXX. By XX/XX/2021 I noticed that " Synchrony or Syncb/Home Design-XXXX '' appeared on my credit reports and I determined that Al fraudulent went against my wishes and somehow obtained my personal information. A few days later I received a credit card in the mail with my name on it and " XXXX XXXX XXXX XXXX '' underneath my name with a credit limit of {$15000.00}. I have text messages from myself to Al letting him know how furious I was that he had taken advantage of me. XXXX  knew that he illegally obtained my information and refused to respond via text messages, but he did leave several messages in an effort not to leave paper trail on his end. However, I do still have those voice messages with XXXX confirming that he indeed fraudulently used my personal information to obtain credit in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy that was not mine for the last 2 yrs.. it was removed and put back on when it was not verified. As i continued to dispute they stated it was verified and would not let me continue to dispute
Product: Credit reporting or other personal consumer reports

Reached out to XXXX XXXX XXXX XXXX regarding the validity of the debt, but they did not provide any. I am the person making this complaint & I give CFPB authority to investigate this claim. As I am looking over my credit report, this account is incorrectly being reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to { {$0.00} } or delete the negative payment status on this account.
Product: Debt collection

So I am being sued in Texas by LVNV Funding LLC which is in Nevada. They bullied me and never contacted me about this debt and all of a sudden I get a summons. They have cost me mental pain and anguish.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX XXXX Partial Acct # : 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 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 antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) Section States : 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: Student loan

I had a balance of student loan of {$9500.00}. I paid the full amount on XX/XX/XXXX of 2024 through MOHELA. The payment was withdraw from my bank account and I also got a confirmation number and email. And here we are almost 2 months later and that payment still hasnt reflected on my account, but but the money was withdrawn from my bank account so I dont know where that money went and Ive been trying to get a hold of MOHELA and its super hard to get a hold of them. I need to know whats going on with that money.
Product: Checking or savings account

Back in XX/XX/2019, while traveling to Maryland I used the XXXX XXXX  ATM. The ATM 's there have no surcharge and this is why I chose to use them. Shortly thereafter while checking my bank account I was informed that the {$3.00} fee was deducted from my account. When I asked why, I was told by the representative that the fee was deducted because I used a non BB & T ATM.

First of all I have a BIG problem with this!! I go to work EVERYDAY and I have the money which I work hard for place into my checking account from my employer. This money comes from the XXXX  XXXX  for which I work, NOT FROM BB & T!! I was appalled to hear this. This is robbery at it's best!! I have inquired numerous times about this and no higher up has called to explain why or to tell me that money will be refunded. If a person uses XXXX XXXX or XXXX XXXX, yes I understand that there will be fees, but not for a non surcharge ATM. 
I will be very vocal about this and closing my accounts. XXXX XXXX  XXXX a wonderful customer service institution has my vote. Perhaps BB & T or XXXX  can take a hint from true banking ... they aren't being truthful I can tell you that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX  and Transunion credit reports. Each credit report shows more than 10 inquiries ( 22 from XXXX, 12 with XXXX and 14 with Transunion ) that I do not recall authorizing. I understand that creditors or lending institutions are not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my XXXX  credit file. XXXX and Transunion is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on XXXX  or Transunion. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on XXXX  : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on Transunion : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached screenshot of Citicards CBNA reporting a negative on all three credit reports. This was a secured card, I paid monthly ON TIME and then closed the account. I have disputed that they have reported this secured card repeatedly and yet they do not update it as resolved to reflect accurately the series of events. 

This card was closed by me. I requested they close the account and send me my security deposit of {$300.00}. The whole point of the secured card was to build my credit and I paid monthly on time. Eventually I closed the account and requested my secured deposit of {$300.00} back. 

For some reason, the deposit return took 3 months to return and to for them to close the account only to find out a couple months later they reported it NEGATIVELY which is a LIE. I opened the account, paid on time, closed the account and requested my deposit back, AT NO TIME WAS I DELINQUENT IN MY PAYMENTS! NOT ONCE!
Product: Credit reporting or other personal consumer reports

I implore you to devote the necessary time and attention to expunge the late dates and negative remarks from my credit report. In the current economic climate, I can not afford the repercussions of inaccurate information negatively affecting my credit score. I anticipate the receipt of an updated copy of my credit report that reflects these vital changes within a period of XXXX ( XXXX ) days. XXXX XXXX XXXX XXXX  - I have consistently made timely payments and have never been delinquent. I insist that the late payment notations be promptly corrected to accurately reflect my payment history. I demand the removal of the late dates and a status update to " paid/never late. '' Please note that I'm the XXXX filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Debt collection

I received a letter on XX/XX/18 from : Transworld Systems Inc XXXX XXXX XXXX XXXX, OH XXXX XXXX ( alternate address XXXX XXXX XXXX XXXX, DE XXXX XXXX ) Stating that I have a past due account in the amount of {$50.00} with original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX The account # given is XXXX. 

I have not done business with XXXX to my knowledge and never received any communication from XXXX prior to receipt of this notice from Transworld. This is obviously a false claim although I am unsure of the source. 

XXXX XXXX
Product: Debt collection

Received a call about a debt from 2007. The company threatened to place negative information on my credit reports unless I pay them. This debt was settled with the creditor ( Capital One ) years ago. Under Tennessee and Texas statutes of limitations on debt collection XXXX XXXX XXXX does not have the right to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company several times as they are reporting A medical bill from XXXX XXXX XXXX. I have not nor have I ever recieved care from this facility or any other facility during the time they are reporting. I wrote A letter to the company requesting proof of this debt. Showing orginal documents with my signature and photo copy of DL. Which they would have if I seemed there service. I have not recieved a response and this incorrect information is still reporting to my credit report.
Product: Credit reporting or other personal consumer reports

I went to the Annual Credit Report official website. I checked to receive all three reports. 
On my second try, I finally was able to get the XXXX Credit Report. Two pages were difficult to print as it appeared on the site. On XX/XX/year>, I went back to the website and tried to print the other two reports, but the site kept coming up errors. It is not clear on the site how to get your credit scores. It is very confusing. The bottomline is that the bureaus need to just give consumers their scores FOR FREE TOO with this annual reporting. Now, after your initial request for a 6months report later in the year, perhaps consumers can pay a fee for the credit scores, but this process needs to be simple! We are lured into getting some ACCOUNT for credit checking and that is unnecessary! Stop the usury and exploitation! Just add a button on your website to purchase ALL three scores at once for a reasonable fee and stop holding us hostage with these monitoring accounts.
Product: Credit card or prepaid card

1.I have never had an account with this company CCB/ALPCOS XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY CAPITAL BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Checking or savings account

I lost my card, someone took  XXXX  $ off my card, called my card in lost. They stated to me that I had to send in a depute form, & a address change, I finally got my card after a whole month of them saying the documents I sent was a erro because they could not see it, finally after the  3rd  time of me spending it they sent out a new card. Now they are saying because they did not see the depute form in 10 days that I will have to wait  45-90 to  hear if I will get my money back, mind you I sent it to them more then two times. So how is it my fault if they could n't see it & they never respond to me saying it was a problem I had to call them to check on it
Product: Credit card

I was notified by XXXX by XXXX at XXXX XXXX on XX/XX/year> that a credit card was opened in my name from Capital One. I reported this fraud to Capital One on XX/XX/year> at XXXX XXXX. They have opened case number XXXX for this fraud complaint. I would like this credit account closed and removed from my credit history. 

Thank you XXXX XXXX
Product: Debt collection

The text messages started in XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX XXXX, on a regular basis from Credit Collection Services ( a debt collector ) stating that I owed XXXX XXXX money which I do NOT, and it was past due! They wanted me to call ( XXXX ) XXXX, File Number XXXX Being a senior citizen, I didn't want to contact this company because I know that it was fraud, and I didn't want them trying to get any personal information from me. 

Please help!
Product: Money transfer, virtual currency, or money service

As someone whos been actively using Zelle for 6 years now, I am concerned with the information shared and disputes that were publicly announced recently about Zelle. Zelle has also failed to previously investigate any claims I have made such as when someone used my card to buy something somewhere. Due to recent CFPB findings my concerns have grown as Zelle has not protected its consumers and has repeatedly let the same offenders get away with the same thing.
Product: Credit reporting or other personal consumer reports

I've sent letters to all 3 of the credit bureaus as well as the companies individually regarding inaccuracy reporting on my credit report of Inquiries I did not authorize and in accordance FCRA I'd like the inquires to be removed immediately. The list of inquires amongst the 3 bureaus as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been receiving calls from this collection agency, EVERY day at least once a day for well over a month now. I did answer over a month ago and let them know I lost my job a few months back and that I would pay the past due cable bill directly to the company it is owed when I receive my taxes, which I have not yet received. I also have made XXXX small payments towards this bill and mentioned to them that I was paying it down when I was able. I also answered XXXX of their calls two days ago and told them to cease and assist, they hung up on me and proceeded to try again the next day. It 's getting really irritating and they call sometimes at XXXX when my kids are asleep.