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 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On or bout XX/XX/23 I sent XXXX, XXXX, and Experian a dispute of certain information on my credit report. 
On XX/XX/23 Experian sent me an email telling that they will not investigate because it appears someone else sent the dispute on my behalf. 
On XX/XX/23 XXXX sent me a letter telling me they will not investigate the dispute because it looks like someone else submitted the dispute on my behalf. 
Till Date XXXX has not responded. 
On XX/XX/23 I sent a response to XXXX advising them that I did in fact send the dispute and they were obligated to respond which they received on XX/XX/23 ; See Tracking # XXXX On XX/XX/23 I sent a response to Experian advising that I did send the dispute which they received on XX/XX/23 ; See Tracking # XXXX Till date XXXX has not responded.
Product: Debt collection

I was paying bills on my credit report last XX/XX/2022. This included an old electric bill for XXXX to XXXX XXXX. The agency I paid and XXXX XXXX both acknowledged this debt was resolved. In XX/XX/2022, XXXX  debt collector started to appear on my Experian report for the same bill. One of the representatives said they got it in their office in XX/XX/2022. I tried to explain to them that I paid the company that contacted me on behalf of XXXX XXXX. And that XXXX XXXX had acknowledged receipt. XXXX has refused to verify with XXXX XXXX, and so has Experian. I requested a dispute with the results saying the XXXX bill is valid. How!!! Because I know, neither company has verified the facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX XXXX Account 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 instructions
Product: Bank account or service

XX/XX/2017 As many customers I too have had issues with Bank of America hitting me with fees that seem ridiculous, mainly overdraft type fees. Im XXXX with a XXXX, and unfortunately I have XXXX. Because of this I occasionally make purchases that my relatively small bank account might not have the funds for. After getting nailed with ridiculous XXXX dollar overdraft fees I called in and talked to a BoA rep. I had them go into my bank settings, and set it up supposedly so I could not make purchases unless I had enough money to make them, which is what I thought a debit card was supposed to do in the first place. After that though it still happened, despite what the BoA reps told me, I called a total of three different times about this same issue over the years to " fix '' it, and still I get nailed now and then from the fees. I admit my bad memory problem, but when Im told one thing three times and yet another thing keeps happening its ridiculous. This fourth time I just called in and talked to yet another BoA rep. I asked her how a certain transaction was allowed to go through when I didnt have enough funds, which of course triggered a XXXX dollar fee. She couldnt exactly give me that answer. She kept saying its how my account was set up, even though I told her three different times I called BoA and was told it they changed the settings to prevent this. If I didnt have the funds, the transaction should have never went through, and the fee would have never happened. She said it was a transaction declined fee, yet the transaction was NOT declined the purchase went through fully on my end. All you have to do is XXXX " bank of america fee complaints '' and you can easily spend all night reading through the massive amount of complaint with BoA. After ten years being with them, Im seriously considering switching to a new bank as MANY already have. Some other banks even claim to not have these type of fees, sounds great. The amount of money banks make by nailing people with these fees is beyond ridiculous ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX & XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, INQUIRY XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I must start with the CFPB is a godsend when assisting consumers. You helped me resolve getting insurance money that XXXX would not issue me BUT now XXXX will not correct a 30 day late payment that they assured me would not be reported to the bureaus. I 've spoken with the Ombudsman office several times and they tell me the same thing, that its been submitted. I 've called Transunion and XXXX ( which is another nightmare in it 's self because of 3 party language barrier ) but I can not get any resolve. XXXX has correct the XXXX XXXX 30 day late. But Transunion and XXXX when they try and call XXXX they get a different person every time and a different story every time. Neither Transunions nor XXXX will correct the XXXX late payment based on the multiple letters from XXXX to me. They tell me they must verify with XXXX and XXXX will not verify they reported it incorrectly when the bureaus call them. I have that in writing from XXXX with the letter dated XXXX XXXX. XXXX then sent me another letter on XXXX XXXX stating they did not report incorrectly but as a " courtesy '' will report it as current. None of which has happened. I luckily was able to refinance my home with a local lender but had to take a higher interest rate because of this error by XXXX. I have every right to sue them but at this point just want to be done with this despicable company and pray in the near future they will be dealt with by their many victims.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account XXXX XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). 
Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). 
Also multiple times they have repossession the car can not be repossessed every month. 
Thank you for your prompt attention to this matter. I expect a response within the XXXX period allowed by law. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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: Debt collection

The. Collection tactics used by the XXXX XXXX XXXX XXXX XXXX and its servicer XXXX XXXX XXXX included an action in court to have a signature of my daughter affixed because it was not notarized on a document from 2005 and a concurrent foreclosure warning asking me to submit information when said action could not be pursued and was sent to harass me when the 2005 HELOC contract action is known to be time barred. These tactics are in violation of federal regulations protecting consumers from being harassed by collections agents.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of the recent Equifax data breach. Upon reviewing my credit report, I discovered several unauthorized and fraudulent accounts opened in my name. I immediately reached out to this company for assistance in resolving this matter, but I have yet to receive a satisfactory response. 
In light of this, I respectfully request that you block and delete all accounts associated with my personal information that were opened as a result of this breach. These accounts were not authorized by me, and their existence on my credit file is a direct consequence of the security compromise. 
Please confirm receipt of this request and provide a timeline for the actions that will be taken to protect my identity and financial well-being. 
Thank you for your immediate attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have told Experian, XXXX, and XXXX to investigate these accounts : XXXX  XXXX : XXXX and XXXX XXXX. However, they stated everything was complete and accurate. That can not be correct, because the date opened, delinquent payments, and remaining balance are inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 802 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states that a 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 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 the the information is inaccurate.

Also they aren't in compliance with metro 2 credit report. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Secation 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit report for the past year! My lawful rights have been violated by Experian, XXXX, And XXXX. According to the FCRA regulations I am entitled to have true, correct, and complete information on my credit report. I have disputed all inaccurate and wrong information for over a year and the information still remains on my report. This information has kept me from buying a home. I have sent multiple letters to get MOV and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX BANK Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry XXXX XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry : XXXX XXXX, XXXX + XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX  XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit file and noticed multiple inaccuracies on my report. I do not consent to this inaccurate consumer reporting. I, XXXX XXXX, am a natural person, and am submitting this dispute on my behalf.
Product: Credit reporting or other personal consumer reports

NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT, THIS ACCOUNT IS NOT ADDRRSSED TO ME,, WHY IS IT REPORTING ON MY CREDIT FILE
Product: Credit reporting

There is an inquiry being reported on my equifax credit report from XXXX XXXX on XXXX/XXXX/XXXX and Ive had the account opened since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX 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 XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In review of my credit profile I came across quite a few inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting or other personal consumer reports

In XXXX I noticed an auto loan showing up on my credit report from XXXX XXXX XXXX, I have never applied for an auto loan with XXXX and it was showing as a charge off account. I filed an XXXX report immediately on XXXX and sent a copy to all the major credit bureaus and a copy to the original creditor. It was removed from my credit report until it showed up again in late XXXX. I once again filed a XXXX report and sent it to the credit reporting agencies. I contacted XXXX directly by mail and phone calls, they have not provided me with any proof of this loan belonging to me nor any documentation that I applied for the loan or signed for the loan.
Product: Credit reporting or other personal consumer reports

in XXXX of XXXX  during a difficult time with lost. I went into my account online to make the payment I was very new to online payments at that time. Some sites you have to scroll down to submit payments and others you do not. I did not scroll down to hit the submit button for the payment to go through. And I missed the payment for that month but technical support departments of these companies can go into there sites and see that a person went into their account and XXXX XXXX did tell me they saw where I had went online in a mannerable time and saw that I just did not scroll down and hit the submit button, but they refuse to excuse the 30 day late. I did not receive a text email nor a phone call. from XXXX XXXX XXXXXXXX XXXX regarding the missed payment nor a past due reminder. I was never late before that the company did not look at the pattern of my payments. They put the 30 day late on my credit report and I have requested many times that they remove the 30 day late from my credit report, but, they refused to remove it each time I requested it. 

It been 6 years now. and XXXX XXXX  said they will never take it off
Product: Credit card

Without any prior notification, Bank of American abruptly reduced my business account credit line from XXXX to XXXX. Soon after, they yet again abruptly closed the account, and closed two credit cards that were not business credit cards. I asked them why and they forwarded me to the " XXXX XXXX '' department. I was told it was because the business account was closed first, and as regular practice they also close all other accounts. The representative refused to tell me why the business account had been closed.
Product: Debt collection

The name of the company is XXXX. They have a bill for collection in my name for the amount of {$530.00}. There is absolutely no way that this bill should be this high. That is a huge lie. They are taking advantage of whomever they may. I would settle with them for {$200.00}, plus have them removing the information out of my credit report. These big corporations are like wolves.
Product: Mortgage

we have faced a serious problem with our mortgage company united wholesale mortgage ( UWM ) we have received loan modification documents to be signed but XXXX people in our house are not available to sign loan modification documents. those XXXX people are no longer live with us. at the time we purchased the house these XXXX people were single both got married they got out the house no longer live with us even though the XXXX people gone their names are still on our mortgage loan we do not know what to, do we not know how the loan modification documents will be signed without the XXXX people. if these documents are not signed foreclosure will start