23daVinci/CFPB_Complaints huggingface dataset:
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 U.C.S 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 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 instruction.

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 1681c-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

Hello, I am having issues with unknown addresses on my credit file. 
My current address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
The following address are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX XXXXXXXX {$96.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I have discovered a scam transaction on my Paypal account. XXXX XXXX  were sent to a person from my account. I contacted Paypal about it but they didn't give me any help. I will further contact my bank to revert the transaction. I can't believe such a big company will help scammers instead of their loyal customers. I have never ever in my life tried to get a refund because I didn't need one, but now when I get unlucky and need some help, they turn their back on me...
Product: Credit reporting or other personal consumer reports

Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days. Please delete the following 
Accounts :

XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX)
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never notified that this account was in collections. In addition, this account reports a {$0.00} balance and {$0.00} past due. This false reporting of a collection for an account that has a {$0.00} balance and {$0.00} past due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Amsher Collections around XX/XX/2019 pertaining to my XXXX balance. They then sent me to the Attorney Law offices of XXXX XXXX. So I settled the debt with {$380.00} with the Law offices of XXXX XXXX. They explain to me that they will report to both Amsher Collections and XXXX that the balance was taken care of. They said it should take about 30 days for the debt to come off my credit report. Its been about 3 months and it still appears on my credit report. I contacted all three businesses sometime in XXXX, and they all pointed the finger at one another. Seems like no one wants to take responsibility of contacting the necessary people to get this off my credit. Not knowing what to do, my wife did some research to get in contact with your company. When I asked for an email copy of the agreement we made, they said they can only provide me with a confirmation number.
Product: Credit card

XXXX representative would not provide me a copy of case number XXXX. Also XXXX representative would not help me resolve this issue while I was in the store at the time of the promotions ; case number XXXX.
Product: Checking or savings account

Unauthorized transaction occurred on XX/XX/year>. My account was hacked and {$350.00} was transferred to another account which I dont know the person. The transaction appears to be sent by me so the company doesnt want to credit my money back. I have had 2 dispute claims so far and both have been denied. Customer service / supervisor was no help and couldnt even give me a number to the fraud department saying that department doesnt have a phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this XXXX concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  : Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

XXXX. XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies.

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX XXXX  [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed in dispute letters to XXXX, XXXX  and Experian. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. I am also a victim of the XXXX  data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian have failed to uphold their grave responsibilities pursuant 15 USC 1681a ; 15 USC 1681b ; and 15 USC 1681c. They assumed a vital role in assembling and evaluating consumer credit and other information on consumers, yet failed to wholly and accurately investigate & report information on my behalf. Because of this, my report does not reflect information accurately across all three major credit reporting agencies and gives an unclear picture on my creditworthiness as a consumer. This is a direct violation of federal laws which constitutes the removal of all false and inaccurate information from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to remove inquiries from my consumers credit report. Equifax did not / do not have permissible purpose. I did not give Equifax my written permission to report anything to my consumers credit report. 
Ive been reaching out to Equifax via mail/ certified letter with a return receipt to ensure that Equifax is receiving my demands. As a consumer and according to the USC LAWS, I have a right to privacy. Equifax has completely ignored the law. Equifax has also violated their own rules. As a consumer, I am the only one who dictates what goes on my consumer credit report. Equifax is also committing aggravated identity theft! Equifax goes through a third party and take information from that third party and report it to my consumers credit report.
Product: Debt collection

I received a notification on my credit that I owed a medical debt of {$690.00} to IC Systems. I have disputed this collection multiple times because I'm unaware how I would have a medical debt when I have always had Military insurance since the age of XXXX. Each attempt to dispute with XXXX, the collect states it's accurate, but does not provide proof. I have also attempted to dispute the debt with the company and still have not received any verification that I owe the debt.
Product: Credit card

XXXX Purchased ink jet cartridge using XXXX for {$15.00} using my credit card XXXX XXXX transaction num. XXXX. The card num.. is XXXX from XXXX XXXX ServicesXX/XX/2015 Request a cancellation for item not received. 
XX/XX/2015 Creditor refund to XXXX account. 
XX/XX/2015 Supposed refound in trans. XXXXNEVER RECEIVED A REFOUND TO MY CREDIT ACCOUNT
Product: Debt collection

I keep getting calls from a place called VALOR and I have received a letter from them about something from XXXX. I have received letters from XXXX different companies about a collection from XXXX which I dont have. Valor calls me multiple times a week and is reporting this on my credit report and I want this information removed from my credit report and the calls to stop. The information on the letters arent even correct and why are XXXX different companies sending me request for XXXX which I dont have.
Product: Student loan

I went to school at XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX, IL it is not an option on your list. The school closed before I could finish my degree and not I am stuck with XXXX in student loan debt. It is a non accredited school and was not helping or even trying to help provide a job or internship. I see all these other colleges that closed and student debt was forgiven. Why is this school not an option? I am a XXXX  mother that provided for XXXX kids I work a full time and PT job and live check to check trying to survive with my kids. I can't even go back to school to finish or start another degree to better myself because of the student loan debt I have now. I really want some help with this. I do not know what to do. Navient is my loan servicer they will not communicate with me and keep denying my forgiveness application. The school closed in 2010, It is not 10 years later and I am still fighting this. 

Please contact me. 
XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, The credit bureaus stated that XXXX XXXX XXXX  XXXX, was verified and properly investigated but how is that possible if the status is inaccurate, date last reported is inaccurate, opened date is inaccurate and the date last payment is not accurate.This is grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 604 A Sec 2 : The Law clearly states that a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish anything on my account And according to 15 U.S. Code 1681e - Compliance procedures. No consumer reporting agency may furnish a consumer report to any person. 
Also according to 15 U.S. Code 1681e ( b ) Accuracy of report procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These are clear violation 15 U.S. Code 1681i ( 5 ( A ) - can not be verified, the consumer reporting agency shall 15 U.S. Code 1681i ( 5 ( A ) ( i ) -promptly delete that item of information from the file of the consumer
Product: Checking or savings account

I have a Certificate of deposit at SunTrust which matured on XX/XX/XXXX. I called their customer service line ( included in their letter to me ) and they said I couldn't do anything until XX/XX/XXXX - even though the letter says in 3 places that the renewal date is XX/XX/XXXX ). On XX/XX/XXXX I went to the local branch ( XXXX XXXX/XXXX ) and was told that there was no reason I couldn't have withdrawn the $ $ $ over the phone on the XXXX. Then they said although the CD is for $ 87,000+, their new rules say they can't authorize more than {$25000.00}. This means they are keeping my money without giving me interest and keeping me from withdrawing it and re-investing it at another institution with better interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have documented all previous disputes and correspondence for the past year of the reporting of several accounts on my credit reports. The latest was a notification ( attached ) to the CRA s of pending litigation if they continue to violate my rights. Equifax has responded ( attached ) and stated that these accounts in question are not being reported on my credit report without sending me an updated credit report that reflects these statements, therefore I ordered a copy of my credit report ( attached ) that clearly shows the items being reported and highlights their violation and false claim.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. and according to 15 USC 1681eb they are supposed to ensure this 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.

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 then records of convictions of crimes which antedates the report by more then 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.

I Have attached supporting documentation from my personal credit report, attachments will be in order of accounts above. All errors and inacurrcies are highligted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX DEAR Creditors : Recently, I received a correspondence from XXXX  Credit Reporting Agency and/or it's attorney ( s )  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX  or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX  XXXX XXXX  XXXX. XXXX  XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} Citibank ( Citicorp.com ) c/o CitiCorp XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00}
Product: Checking or savings account

I filed an initial complain with CFPB on XXXXXXXX XXXX XXXX  and just found out it was never processed on your system. I'm reproducing them now so as not to repeat myself.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove. such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I will be filing form 211 treasury omb forms to audit consumers account. 
EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit card or prepaid card

My card was closed on the XXXX or XXXX I called Bank of America they said unemployment had closed it I called unemployment for 3 days in a row finally got through to them and they said my account with them is still open and ready for them to deposit money into weekly they had no idea what I was talking about and had no idea they had nothing to do with it I called back to the bank they said unemployment must call them my card has never been used as fraudulent in any way my car has never left my hands I'm about to be evicted from my apartment cuz I can not get to my money to pay my rent