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

As of XX/XX/2022, and continuing, XXXX, Transunion, and XXXX have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, XXXX, XXXX, and Transunion do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every credit report ( all 3 XXXX, XXXX  and Equifax ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a XXXX  balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all 3 bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after XXXX requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all XXXX bureaus and nothing has been investigated, corrected or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several incorrect issues reporting in my credit reports with XXXX, XXXX and Experian so on XX/XX/2021 I sent the 3 aforementioned credit bureaus dispute letters to investigate the inaccurate information reporting on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION, XXXX XXXX BANKRUPTCY # XXXXXXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX accounts. When I didn't get a response by XXXX I was concerned but, I sent more dispute letters to the credit bureaus into the incorrect issues on XX/XX/2021. It's now XX/XX/2021 and still not one letter back from any of the credit bureaus. Not one letter. The credit bureaus are obligated to respond back in 30 days to all dispute requests but, It's been 3 months and they have not responded. I am asking you to enforce the FCRA and delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION, XXXX XXXX BANKRUPTCY XXXX XXXX BANKRUPTCY XXXX XXXXXXXX, and remove the late payments from XXXX XXXX XXXX  and XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
DP OF EDUC XXXX Balance : {$27000.00}, DP OF EDUC XXXX Balance : {$17000.00}, DP OF EDUC XXXX Balance : {$31000.00}, DP OF EDUC XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00}, XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXXXXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a dispute against Experian for inaccurately reporting an item on my credit report that is both misleading and incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report, and this error is causing me significant harm. 

XXXX. Timeline of Events : Date of Discovery : I first reviewed my credit report on XX/XX/year> and I noticed that an entry labeled XXXXXXXX XXXX was inaccurately reported. 
Date of Dispute with Experian : I contacted Experian to dispute this information on XX/XX/year>, explaining that the item was incorrect. 

XXXX. Inaccuracy and Impact : The item is inaccurately listed which violates the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which requires accurate and timely information. 
As of today, XX/XX/year>, this inaccurate entry is still present, negatively affecting my credit score and financial opportunities. This is an ongoing issue that has not been resolved through direct communication with Experian. 
XXXX. Action Taken : I provided Experian with all relevant documentation to support my claim I requested Experian to investigate the matter thoroughly and update my credit report with accurate information per the FCRA 's requirements. 
XXXX. Desired Outcome : I request that the inaccurate entry be removed or corrected in accordance with the FCRA and other applicable consumer protection laws. 
I ask that Experian conducts a proper reinvestigation and provides me with the results within the legally mandated XXXXday timeframe under Section XXXX of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I received, unsolicited an " upgrade '' to my credit card account issued by Elan   ( Visa card ).
Sticker on the front of the card said it can not be used without first being activated by   calling  XXXX . I called. This is not a card activation, but an automated promotional number offering a seemingly endless series of promotions. "  Press one  to accept, press pound to decline. '' After pressing pound, a different offer is given. After pressing pound again, another offer, and so on. Offers were for  XXXX ,  XXXX   XXXX  and other similar companies. I tolerated this for about four minutes and then dialed the " 24-hour cardmember service '' number of  XXXX . After navigating the menu I reached a rep who activated the card. I complained about my experience and she said she would " pass it along. '' After the call I tried participating in an automated survey that was offered, but each time I pressed " very dissatisfied, '' the response was " the data is incorrect '' or some similar statement.
Product: Checking or savings account

On Thursday XXXX at approximately XXXX, I visited an ATM outside of a XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and requested money from the ATM. There are two ATM 's located outside of the bank where cars drive to ; one on the far left side and the other on the far right side. I used the ATM that was on the far left side. I entered my debit card into the ATM slot and I noticed that the screen was not working at this time. However, the keypad was working which allowed me to make selections after I entered my pin number. I requested {$200.00} and the ATM charged a fee of {$3.00} so a total of {$200.00} was debited from my account. However, the ATM did not dispense the {$200.00}. I then pushed the 'help ' button to request assistance but the button seemed not to work. I then proceeded to the ATM on the far right side and pushed the 'help ' button to request assistance. A bank teller answered through the ATM machine and I explained what happened regarding the ATM on the far left side not dispensing the {$200.00}. The bank teller then advised me to wait while she spoke to the bank 's Branch Manager ( BM ). Shortly afterwards, the BM spoke and advised me that I needed to call a number ( she provided me ) and explain what happened. I then contacted that number right then and there without leaving the ATM. The number that the BM provided me was XXXX 's XXXX  customer service number. After speaking with a XXXX XXXX  customer service representative, I was advised that I needed to file a dispute with my bank regarding the matter. I then left the ATM and contacted my bank and filed the dispute on XX/XX/year>. My bank denied and closed the dispute on XX/XX/year> and did not provide me with an explanation of why. I then visited the XXXX XXXX  on Saturday XX/XX/year> to speak with the XXXX  but was advised that the BM was not available that day. I spoke to a XXXX of the branch who provided me a number to call that have access to the ATM 's video surveillance system. I left the bank. On XXXX  XX/XX/year> I contacted that number that was given to me from a XXXX of the branch. I then spoke to a representative and was advised that the number provided to me was for law enforcement only. I then contacted XXXX 's XXXX to file a police report to have a detective or someone look into this matter. After speaking to a customer service representative from XXXX 's XXXX, I was advised that I needed to file a police report online. The same day, I filed a police report and the same day the police report was denied due to this issue being a civil matter rather then a criminal matter. On the denial report for the police report, I was advised to visit my local Justice Of The Peace and file a report. That same day, after working a XXXX shift I went to my local Justice Of The Peace and was advised that I needed to file for small claims. I was given a packet to read over and fill out but there would be a Filing fee of {$54.00} and a XXXX fee of {$85.00} just to begin the process. I figure that I should contact the CFPB before going forward and filling for small claims.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, XXXX XXXX Transunion Subject : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX Acct Number XXXX, XXXX,. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. There are three accounts from XXXX XXXX on my credit report with balance of XXXX, XXXX. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX, XXXX and Transunion Credit Bureau without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. No notification was given 30 days prior negative report was made. This account has been report Charged off multiple months. When a Charge off is only done once not every month.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.

3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights.

I trust that you will address this matter promptly and seriously. I look forward to your timely response.

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

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE - There is no late remarks but tagged as late. 
XXXX - XXXX  XXXX XX/XX/2019 XXXX XXXX - There is no late remarks but tagged as late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting False inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : ACCOUNT XXXX XXXX openedXX/XX/XXXX for {$350.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX  AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Checking or savings account

Had identity theft with the bank and reported to fraud department. My account was closed and false information was reported to chex system..
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the accounts and inquiries listed below. These accounts and inquiries are fraudulent, and I did not authorize them. 
XXXX Accounts : XXXXXXXX XXXX XXXX  XXXX Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$3600.00}. 
XXXXXXXX XXXX XXXX  : Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
XXXXXXXX XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$1600.00}. 
XXXX XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$100.00}. 
Fraudulent Inquiries : XXXX XXXX XXXX dated XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Credit Report Dispute Request for Investigation and Correction Dear Sir/Madam , I am writing to dispute certain items on my credit report, as I believe they contain inaccuracies and do not reflect my true credit history. Please investigate the following accounts, which I believe require immediate correction or removal : Midland Credit Management Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct these items. Specifically : 15 U.S.C. 1681b : The disclosure of my credit information to third parties is subject to certain laws, including the requirement that it be accurate and up-to-date. The incorrect reporting of the accounts above violates this statute. 
15 U.S.C. 6802 : This law governs the protection of personal financial information, and as such, it is crucial that all the data related to these accounts is accurate, reflecting the true status of each. 
18 U.S.C. 1028A : The criminal penalties related to the knowing and intentional misuse of personal information highlight the importance of accuracy in credit reporting. Misreporting my account status or any fraudulent activity could result in serious legal consequences, which underscores the need for correction. 
Please investigate these accounts, and if found to be inaccurate or unverifiable, remove or update them accordingly. I am requesting that you provide me with a written statement once your investigation has been completed, along with an updated copy of my credit report reflecting the corrections made. 
Thank you for your prompt attention to this matter. I look forward to receiving your response within the XXXX period required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of Social Security XXXX
Product: Money transfer, virtual currency, or money service

Without the class action claim form cuz I am a cash app block customer since before XXXX  I'm a hairstylist there's many many things that went unnoticed that came out of my account charges etc fraudulent things when the class action lawsuit came out I fill out everything I sent a whole week doing it they keep putting off when they're going to pay people mine is up to {$5000.00} I should be paid in compensated for it not been giving fluff and and no end to the situation cash tag i XXXX XXXXXXXX as long enough after the fraudulent charges and spending one whole week filling out their claim form I don't have my claim form ID because I lost phone got wiped out so I don't have access to the phone number or the email is associated with my cash app account but I do have my cash check which is explains won't be the determiner that I have a we go right to this money they keep pushing out when we send it or giving you around the circle answers it was ran around the circle and there's nowhere
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian XXXX and XXXX multiple times letting them know the account in collections from XXXX XXXX XXXX Original creditor : XXXX needs to be removed. It was satisfied and they agreed to remove the debt once satisfied. Years after resolution the negative trade line has yet to be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX XXXX XXXX 2024XX/XX/XXXXXXXX 2024XX/XX/XXXX XX/XX/scrub> 2024 2024
Product: Bank account or service

M and T Bank checking account frozen under no goverment agency orders but accepting deposits not withdrawls.