23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 USC 1681.

Account name : XXXX has reported an alleged debt associated with account # XXXX with XXXX, XXXX XXXX XXXX with the Account # XXXX, & XXXX which can not be XXXX different # 's over XXXX ago wrong dates and amounts inaccurate data regarding the entire banks attempt to abuse a XXXX person. 

XXXX XXXX XXXX whom i have no legal obligation to has violated my rights. 

15 USC 1681 Section A. States i have the right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of, any other adverse item of information, other than records of convictions of crimes which antedates the report by more seven years.

15 USC 1681 ( A ) ( 1 ) A person shall not furnish any information relating to any reporting agency if the person has reasonable cause to believe or know that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have no knowledge of XXXX XXXX, I have no contract with them, nor do i even live in the same state this company is located. My first knowledge of this company came when they surprised me by placing two collection accounts, XXXX unknown account for {$390.00}, and another unknown account number XXXX, for {$1300.00}, on my XXXX XXXX, and transunion credit report. 

These are allegedly charged off accounts, purchased by this debt buyer, but being reported with late payment histories, which doesnt even make sense. None of the information is even accurate, reporting different date of last payments, or in the case of XXXX no date of last payment even recorded. All violations. 

I've had no contact prior to this. I was never sent any notice of debt, by phone, or mail. Or given any time to dispute. violation. 

I disputed the account with all XXXX bureaus, multiple times, and after notifying the credit bureaus about the multiple violations committed by XXXX, they continued to report the account, and failed to update the status to in dispute within the 30 day timeframe. another violation. 

After continuing to dispute this unknown company and the negative marks on my credit report, I challenged XXXX XXXX to validate the debt, they did not provide such documentation. Which makes sense, since why would a company who cant provide validation of this scam debt, follow FCRA Regulations. This is another violation. Instead of removing the scam accounts, they doubled down, and just closed them. I thought that was the end of it, but today XX/XX/XXXX, they reopened the account on my credit reports. with the " original '' dates for the account opening they claimed.
Product: Debt collection

XXXX XXXX went out business. I made my payments, but the company that took over didnt apply them to my account. We disputed those charges which then was sent to collections. We sent debt validation letters Dynamic Collectors Inc.but they didnt respond in the timeframe and didnt send all information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs for the remainder of the victims lives. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I never authorized equifax or any credit agency to store my data, track my data, or sell my data. Now they have exposed me and millions of others to a lifetime of identity theft and possible financial ruin. This is unnacceptable and needs a strong response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the refusal of credit reporting agencies to delete inaccurate data from my credit report, despite my repeated formal disputes. The agencies have failed to meet the requirements of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to remove unverifiable information.

Also these laws if wish to initiate under 15 U.S.C. 1681i ( a ) ( 615 U.S.C. 1681i ( a ) ( 1 ) ( A ) ,15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681c-1 ( a ) The ongoing inaccuracies include : Incorrect Names and Addresses : My name is XXXX XXXX XXXX XXXX but variations, such as XXXX XXXX XXXX XXXX remain. Additionally, an unrelated address, XXXX XXXX XXXX XXXX, is still listed. 

Unauthorized Inquiries and Account Errors : My report includes multiple unauthorized inquiries and re-aged payment dates, among other errors. XXXX XXXX XXXX has reported payments of XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX is constantly changing last paid dates my last real paid date was XX/XX/XXXX And XXXX is reporting month after month of charge offs by laws they can only report it 1time Section 1681e " Compliance Procedures, '' which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
Section 1681i " Procedure in Case of Disputed Accuracy, '' which outlines the process for consumers to dispute inaccurate information in their credit reports. 

I kindly am asking cfpb to investigate the validity if these violations by crdfit reporting agencies and thier refusal to delete information that we all know is not accurate and complete
Product: Credit card

I spoke with a representative at Comenity. She indicated that in spite of the date the payment may have been received, the payments are often processed later. If they are processed after the due date a late fee is assessed. I don't know the the staffing levels of Comenity. The lady on the phone indicated she was only allowed to remove the XXXX late fee ( one month ). 

My bank has indicated it can not process the Comenity payments through electronic means ( ACH ). The bank indicates they must send an electronic check. When I request an electronic check be issued I pre-plan normally at the beginning of each month, for payments made the following month. In other words I am on a fixed income as a retiree and I have a budget. I plan ahead for bills a month in advance. I make payments well in excess of the minimum. When I request these checks, I put the date the check is to be received and paid, then the program calculates the time necessary to assure delivery based upon the address of a given payee. If you notice on my bank statement ( attached ), the far left column is the date they calculate the check needs to be mailed, in order for the check to arrive on the due date. The column 5 to the right indicates estimated due date which is roughly 5-7 days before the due date. I admit that the first couple of bills I received from Comenity showed that my payment was due on the XXXX. I did not understand that, and adjusted my due date. Subsequently I corrected the payment date to correct the date the payment was received. The amount of time from when the check is sent to the time it is received should be adequate for a letter posted from XXXX to XXXX. I am not sure if the problem is with the Post Office in XXXX, or the Post Office in XXXX, or Comenity receipt of the check, or the time it takes Comenity to process the check. None of this was explained to me while I was on the phone with them. She did indicate that when the checks are processed, if it is after the due date, a late fee is assessed. All of my payments were " processed '' within a couple days of the due date. 

I have an excellent credit rating. In every instance, with the exception of Comenity, I have always paid my bills on time. This scheme at Comenity is an attempt to collect late fees, rather than interest, is a blatant attempt to avoid dealing in good faith. It seems to be preying on senior citizens
Product: Credit reporting 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 I went into a Chase branch to purchase XXXX money orders to start to pay off a debt that I owe to XXXX friends. After a moment the teller asked for my I.D and after XXXX minutes I was told they dont give out cashiers checks at that amount and the minimum is {$100.00}. I have never purchased one before so I was no aware of this. I feel as thought i was discriminated against and they thought I was doing something illegal. I told them I would return to purchase the money orders when I had more money in my account. When I tried to make a deposit into my account it wouldn't let me. I called to try and resolve it and Chase told me all my accounts were frozen and would be closed in 10 business days. I now have no access to my funds for 10 days and no bank account for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint with CAPITAL ONE. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Debt collection

This complaint is to dispute communication with XXXX XXXX and IC Systems. I had an emergency room visit XXXX of XXXX where I spoke with a doctor and provided a XXXX sample and was charged {$520.00} after insurance. I request a lower rate after a few months of service upon receiving a bill. I was told that they would call me back after a review was conducted. A few months later I was reached out again in XXXX of XXXX after no phone call was made and explained the situation over again and was told to wait for a call, to which I provided the number they should call. Then in XXXX of XXXX I answered a call from IC Systems explaining they were a debt collector for XXXX XXXX and that they were to collect a debt. The very same debt that I had inquired about and was waiting to hear back, even though I never received a call from XXXX responding to my original request. At which point I explained again what was going on. They said I could send in a physical letter asking to dispute the charges from XXXX XXXX. I asked if I could file this dispute electronically and was told that was not a possibility. I explained to them to stop calling me and then I would send the letter and to email me the physical address to send the dispute. I called a second time a month or two later after not receiving the email after verifying that I don't not receive the email, nor in a spam/junk folder, and was told they would send the email again. I also re-verifying my email. Now XXXX of XXXX I get a hit on my credit report with a collection action. I then called IC Systems back to which I had to explain the issue once again and requested they reverse the item on my credit report. They said they can not reverse the item on my credit score and said they can confirmation that the email was sent. To which I checked my email again on the date they provided it was send of XX/XX/XXXX, and it was not there. I was then given the actual address to send the dispute to. When I asked XXXX XXXX, a supervisor, at IC Systems to wait on hold for a few minutes after a short while she proceeded to hang up without notice. I now have the physical address to send the dispute per their policies. I plan to send this dispute tomorrow ( XX/XX/XXXX ) the day after speaking with IC Systems. I would like this reverse immediately due to the lack of communication on XXXX XXXX 's part and IC Systems for not returning calls as promised or delivering emails.
Product: Credit reporting or other personal consumer reports

my information was used fraudulent to open account without my consent XXXX XXXX XXXX XXXX XX/XX/year> account number XXXX amount {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive notification of student loans garnishment because lender did not have my updated address. When I finally received notification it was too late they had already decided to garnish my pay and back tax withholding because of no response from me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Customer Service, I am writing to request the immediate blocking and deletion of all fraudulent accounts and inquiries that have been reported on my credit file due to identity theft, stemming from the XXXX data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove this fraudulent information from my credit report once notified. 
The accounts and inquiries in question are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Credit Inquiries : XXXX - XX/XX/year> To facilitate this process, I have provided the following documents to verify my identity : A copy of my government-issued ID Proof of address ( e.g., utility bill or bank statement ) A copy of a police report or FTC Identity Theft Report Please process this request promptly, as mandated by federal law. I would appreciate written confirmation once the accounts have been blocked and deleted from my credit file. If you require any further information or documentation to complete this process, please do not hesitate to contact me at the phone number or email address listed above. 
Sincerely, XXXX XXXX XXXX Enclosures : ID PROOF OF ADDRESS SSC FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute with XXXX, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, XXXX has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, XXXX has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my XXXX report : Pentagon FCU # XXXX XXXX/XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report is a fraudulent account and the result of identity theft : XXXX XXXX XXXX, {$4000.00}, XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Account is not my account, a fraudulent account and the result of identity theft. XXXX Police Department Case Number : XXXX
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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$870.00} DEPT OF ED/XXXX  XXXX Balance : {$6300.00} DEPT OF ED/XXXX XXXX Balance : {$9600.00} DEPT OF ED/XXXX XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$4600.00} DEPT OF ED/XXXX  XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$3700.00}
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report and needs the following address and names and phone numbers removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 been victim of identity theft and I try to let the credit bureau know the sum of this cards are no mine they were open and close I never knew about it and I never couldn't even use it they've been open and close without my authorization I tried to explain this to the credit agency but they say that information is correct one of these car is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX both they say that is a secure card but I never open or I never knew that it was open
Product: Prepaid card

Filed today XX/XX/XXXX Transaction id for the disputes XXXX XX/XX/XXXX and the XXXX was the transaction for XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX is the card number The merchants name is XXXX  Please give me my temporary credit this is crazy what happened i didnt authorize these something happened
Product: Credit reporting, credit repair services, or other personal consumer reports

The referenced credit bureau has ignored my requests to property investigate and is inaccurately reporting a bankruptcy on my credit report. When written disputes are submitted, I receive an auto generated response stating that they are confirming the information with XXXX XXXX ( a third party verification company ). 

I reached out to XXXX XXXX to verify this information and they have assured me that there is no such bankruptcy being reported by them as of XX/XX/2020. I have attached a letter from them stating my information was updated for your records. 

This inaccurate reporting from XXXX  and Experian is inaccurate, it is hurting me personally and my chances of showing credit worthiness, I have been denied business loans and government assistance for business loans because of these inaccuracies and it has caused extreme hardship, stress and time trying to get this corrected.
Product: Credit reporting or other personal consumer reports

They never complied with the rights of the consumer which is me I have been sending complaint information back and forth to all these peoples including y'all and it's not been resolved
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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 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 or other personal consumer reports

Since XXXX, XXXX, I sent several written requests to have inaccurate reporting information removed from my report. To date, none of the information has been removed nor updated.