23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX. Account name : XXXX XXXX XXXX XXXX, Debt buyer XXXX XXXX U.S.C XXXX XXXX XXXXA. States i have the right to privacy XXXX XXXX USC XXXX Section XXXXA Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX Section ( 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. XXXX U.S.C XXXX ( XXXX ) ( 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 the information is inaccurate. Only have one home address ; all other addresses on the report are wrong.
Product: Debt or credit management

EXPERIAN give me hard times resolve issues Phone service not responding No live call no live chat Iam facing hard inquiries EXPERIAN someone unfreeze my account and Ill be reported to change my phone number and email thus EXPERIAN is worst customer they never pickup phone or live chat or email Facing my identity used some XXXX my social and id to run different banks card and others
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : INCLUDED Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 


Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - account ending in XXXX, notified me that they sold an account to XXXX XXXX XXXX that was never mine in the first place. This account is fraudulently and illegally reporting to my credit. I would like XXXX XXXX XXXX  to provide evidence that this account is mine, including my signature, and if this cant be done, I would like XXXX XXXX XXXX  to delete this from my report immediately.
Product: Checking or savings account

I use   XXXX   XXXX   that makes my money available to me right after working those hours. Problem is that my bank is n't sending info or updating it as fast as they need to be.
Product: Credit reporting or other personal consumer reports

This is follow up to previous complaint. Here I am giving all the info that is reported on my crust report when I never give written consent. 
ALL ACOUNTS LISTED ON MY NAME AND SOCIAL SECURITY MUST BE DELETED BASED ON, 15 U.S. Code 1682c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Under 15 U.S. Code 1681e ( b ) and 15US Code 1681 ( 5 ) this account in violation is not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC Code 1681.These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. I am requesting for the original copy of the agreement and terms and condition. Failure to comply will forfeit your claims and will require you to delete all the list of terms above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC Code 1681.These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. I am requesting for the original copy of the agreement and terms and condition. Failure to comply will forfeit your claims and will require you to delete all the list of terms above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE. RESOLUTION : DELETE THESE ACCOUNTS UNLESS YOU WANT TO BE HELD ACCOUNTABLE FOR XXXX XXXX PER ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX 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

I noticed 2 inquires on my credit report that was not authorized by me and I asked to get these removed. following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent many letters to fix this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, Ive just discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Student loan

I was never told when my forbearance was up. I happened to look at my credit score and seen how low it dropped. I had late payments and I did n't know payments were due. I have tried several times to put my loans in Income based repayment but the rep kept sufficient me up for forbearance. While in forbearance my loan gained an astronomical amount of interstate.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACOOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX XXXX XXXX ACCOUNT # 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
Product: Credit card or prepaid card

I was involved with the credit karma misleading promotions of credit cards. It stated I have been pre approved for a credit card in 2020. I kept on applying for different cards only to get denied. This has adversely affected my credit. The company stated I was pre approved. Then I got denied on multiple occasions
Product: Credit card or prepaid card

Wells Fargo XXXX credit card account was opened in my name on XX/XX/22 and used the same day without my knowledge. I have learned when I receive the welcoming package for this fraudulent credit card on XX/XX/22 and went in person, on the same day, to the Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX to show letter and cancel this XXXX account immediately. The manager contacted Wells Fargo Fraud Dept that close the account in the system. On XX/XX/22 i received the XXXX credit card bill of {$710.00} ; account I did not open and trusted it was cancelled as fraudulent one month ago, and at the same day, I contacted XXXX credit card to confirm this is a fraudulent account and it was supposed to be cancelled in the system. I was transferred to the Fraud Dept at Wells Fargo, which open the cancellation # XXXX and did nothing else ( I thought this was done on XX/XX/22 when I went in person to the Wells Fargo Bank ). On XX/XX/22 I received again the XXXX credit card bill to be paid by XX/XX/22. On XX/XX/22, I called XXXX Wells Fargo credit card again and was transferred this time to the Wells Fargo Executive office that issue case # XXXX. They guaranteed I will not get more bills. On XX/XX/22 I received a letter from Wells Fargo Collection stating that " my credit card account remains past due '' - it is attached for your reference. On XX/XX/22 I called the number on the letter that is the Wells Fargo Collection Dept that knew nothing about Fraudulent account and transferred me to the Wells Fargo Claims Dept, which asked my information that Wells Fargo possibly does not have other than my name, address without apt number. I refused to give that person on the phone my social or date of birth. She got rude and it was so upsetting to me that I needed to hang up. Wells Fargo Bank N/A has all the recordings of my calls and it should be taken care of it and nothing has been done. The Wells Fargo bank has been dragging this {$710.00} bill ( actually currently {$740.00} ) for 3 months! This is really not acceptable and this bank needs to respect our time and do the correct action. This bank should close as customer service is not in its priority list.
Product: Credit reporting

Experian " investigated ". The negative items on my credit report in less than a few hours and made no changes and did not supply me with proof that the items were investigated or supplied any proof that they contacted the original creditor.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with the purchase agreement to show full ownership of such accounts.
Product: Credit reporting or other personal consumer reports

I have been disputing inaccuracies on my credit reports caused by XXXX XXXX  fraudulent and defamatory reporting of delinquencies on accounts ending in XXXX and XXXX. Between XX/XX/year>, and XX/XX/year>, I sent multiple certified letters requesting debt validation as required under federal law, yet XXXX XXXX failed to respond, instead claiming they were not collecting a debt while continuing to report delinquencies. I spoke with XXXX, Employee ID XXXX XXXXXXXX, who admitted that higher-level executives at XXXX XXXXXXXX explicitly stated they would not address or correct these issues. Despite this, Equifax, XXXX, and XXXX allowed the fraudulent delinquencies to remain on my reports, neglecting their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable investigations and ensure accurate reporting. Furthermore, these credit reporting agencies unlawfully sold my personal information to third parties without my consent, compounding the harm to my creditworthiness, financial stability, and reputation.
Product: Student loan

On XX/XX/XXXX I called navient about my private student loans at XXXXXXXX XXXX  to cancel my XXXX payment. I was then told I would be removed from the rate Reduction Program and I would have to call back in XXXX to reinstitute the rate Reduction Program so I could resume payments. Previously my account was put into the rate Reduction Program in XX/XX/XXXX. I called today XX/XX/XXXX as instructed, to reinstitute the rate Reduction Program for my private student loans I was then told a payment had been already posted to my account on XX/XX/XXXX for the agreed-upon amount from the terms discussed in XXXX of XXXX. The navient employee I spoke to said that I had received unclear information from the XX/XX/XXXX phone call, he told me that the agent may have said could vs. would as far as being removed from the program either way the problem was and a payment of {$300.00} was removed from my account without my knowledge when the agent on XX/XX/XXXX told me my payments would be canceled and I would have to subsequently call back to re-enroll in the program. I spoke to navient for 54 minutes discussing this problem there is nothing more to do at the time I want to lodge my complaint and I want this to be evaluated because this is not the first time that I feel as though I have been deceived or misled by this lender as well as other lenders such as XXXX XXXX and Sallie Mae when it comes to my private student loans in the past. I have never had a specific example with dates and times as to my feelings about being misled.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to the bureaus and nothing have been done i provided an FTC report still nothing. XXXX getting declined to credit cards due to these false inquires on my report. 

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.
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 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 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: Debt collection

I, XXXX XXXX, the federally protected consumer, is the Successor in Interest to the Estate of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX whose address is XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl XXXX is a Third party debt collector. XXXX, XXXX, XXXX XXXX XXXX XXXX has used abusive debt collection practices without prior consent of the consumer given directly to the debt collector. A debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer Without prior consent from the consumer given directly to the Third party debt collector Pursuant to 15 USC 1692c. As the consumer, I herby notify XXXX, XXXX, XXXX XXXX XXXX XXXX that I, consumer, wishes the debt collector to cease further communication with the consumer. XXXX, XXXX, XXXX XXXX XXXX XXXX shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated ; to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. XXXX, XXXX, XXXX XXXX XXXX XXXX has violated me by their abusive debt collection practices pursuant to 15 USC 1692d Harassment or abuse, 15 USC 1692e False or misleading representations, and 15 USC 1692F Unfair practices.
Product: Credit reporting or other personal consumer reports

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading representations about the status of a debt. 

I request that XXXX, as mandated by 15 U.S.C. 1681s-2 ( a ), conduct a thorough investigation into this matter. This includes verifying the following : The legal basis for the re-reporting of this account after it was sold. 
The current ownership and status of the debt. 
Any evidence that the debt collector has the right to report the account on my credit report. 
In addition to the legal obligations under the FCRA and FDCPA, I remind you that accurate credit reporting is essential for consumers ' financial well-being. Inaccurate information can have severe consequences, including denial of credit, increased interest rates, and difficulty obtaining housing or employment. 

I expect a comprehensive investigation and resolution within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please provide me with a written report detailing the results of your investigation and any actions taken to correct the inaccurate information XXXX refuses to remove inaccurate information after several request made, I also sent them information regarding identity theft. I called multiple times and can not get anyone on the phone. Also I am asserting my right to opt out.
Product: Credit card

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SYNCB/TJX CO Dual Card Bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SYNCB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The companies above have not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed an inquiry in my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means. This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

Im getting alerts telling me my score dropped. When I go look at my reports my balance is all wrong