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. 

XXXX XXXX XXXX XXXX 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 XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Thomas King Associates a debt collector has been calling very often to the point of harassment. I 've filed bankruptcy on XXXX XXXX, 2015. By now as a debt collector as of XXXX XXXX, 2015 there is no way they are unaware that I am in bankruptcy as notice has been posted by the Bankruptcy court ... and they still continue to call. 

On top of this, their calls are misleading and deceptive. They call with an automated dialer to my cellphone ( which is illegal ). They say they are doing an asset and liability search and my number has come up in their records, with a message to call another phone number, then they say " Failure to respond will be documented as non-cooperative '', which is an obvious and illegal intimidation tactic. I have attached a recorded copy of this message. 

I 'm creating this complaint so that you can take action against them! Each phone call past my filed bankruptcy date is a {$1000.00} statutory federal FDCPA violation. My lawyer will be following up. 

They have been constantly calling for weeks! I 'm only reporting the ones since my bankruptcy filing. 

To date the calls since my filed bankruptcy, came in on these dates/times ( central time ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015
Product: Credit reporting or other personal consumer reports

This Company placed a collection on my account that resulted from identity theft. 

I wrote to this company and let them know that I was incarcerated and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA While trying to fix this myself I found out a company purchased my info and had been using it for years since the Equifax Data Breach.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : 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 : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX OF XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

on the morning of XX/XX/2018 I notified BANK OF AMERICA that a substantial amount of money was missing from my checking account, different amount were taken on different time and day, total of money taken ( $ XXXX ) i visited my local account in XXXX, NJ, spoke to XXXX   and XXXX. the initiated the claim, # XXXX phone calls where we had little results, continued filling additional forms, on XX/XX/2018 found were available. but A month later again BANK OF AMERICA put a hold on the money again. their explanation was that they change there mind and where taking the money back. 

last action i did, was a police report has been filed and sent to XXXX at bank of america,
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

I previously sent a debt validation letter to Caine & Weiner Company regarding an illegally inserted debt the company is reporting on my credit profile. They never replied to my request for validation and still continue to report said debt to the bureaus. I do not have a debt owed to Caine & Weiner Company Inc.
Product: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors outlined in U.S code 1666 ( b ) under the billing error category : ( 4 ) the creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor pennymac loan services failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked account. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in erroneous designation as late- a sign of an evolving error-therefore I humbly request that the subsequent enterirs be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX XXXX and noticed that there was an inaccurate account ( XXXX ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

Old National purchased FirstMidwest and rolled over FirstMidwest 's systems to Old National systems. After the conversion process, I am unable to access my account ( as well as my XXXX daughters ' accounts ). I have attempted to make contact via email, phone, and XXXX. They will not respond to email or XXXX. They will not answer their phone - I've been on hold for over 2 hours to no avail. 

They are holding my money hostage, no different than a third-world bank. Absolutely atrocious customer service.
Product: Checking or savings account

{$13000.00} was deposited to my business account from company called XXXX 
Chase being my bank and XXXX XXXX  being depositor bank. Then the company started withdrawing {$7400.00} XXXX. They tried 4 times but only 3 times went through total of {$22000.00}. 
The bank account that this happened to I didnt use too often. When the company attempted to take out money the fourth time the negative balance caught my eye and I reported the withdrawal as fraud. 
When I called XXXX XXXX, the representative told me that in order to get my money back they had to debit {$13000.00} from my account and send it to the recipient and then refunds the XXXX {$7400.00} back to my account. ( This conversation was recorded ) They debit $ XXXX and gave me temporary credit of {$22.00}. 
The bank ( chase ) opened up a new account for me, but failed to restrict the existing account for farther debits. 
Couple weeks later.Chase debited my bank account for {$22000.00} again and never returned the credit of {$13000.00}. 
So basically I am at the loss of {$35000.00} Chase is not doing anything to get my money back. Their excuse is that the XXXX XXXX gave them correct information about my business and bank account. 
Chase is not even trying to lower my loss to {$22000.00} by crediting $ XXXX back to my account.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : DPT EDXXXX Account NumberXXXX Account Name XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXXXXXX 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 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

I have an unauthorized hard inquiry from comenity/ XXXX. I monitor my credit regularly, and as soon as I saw this I disputed it with XXXX and that did nothing. I also tried to call the company but keep getting transferred to a line that stays an hold for very extended periods of time. This is the phone number I called for the credit card company XXXX. 
XXXX was the only bureau where I didnt have my credit frozen, and I now do. I have not sought to open any credit cards or lines of credit in many years. This is absolutely not authorized by me.
Product: Credit card

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity Theft Affidavit, " Please delete the items as soon as possible ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Debt Recovery Solutions XX/XX/year> Amount : {$740.00} Under the Florida Consumer Collection Practices Act ( XXXX ), Section XXXX, all debt XXXX must be licensed to collect debts in Florida. Please investigate this account and remove it from my credit report
Product: Credit reporting

Last year, I applied for a credit card from XXXX XXXX and paid the processing fee. However, after several weeks and no card I called the company to tell them I was cancelling and would no longer need the card. At that time I was informed that the card had been used and charges totaling {$270.00} were on the card. I immediately informed the representative that I had never received the card and therefore the charges were n't mine. The representative also informed me that someone had called and reported the card lost from a different number than I was calling from now. I informed her this was my only number. We went through a list of the charges where I again confirmed they did n't belong to me. The representative stated I would receive some paperwork to fill out and return. I never received any such paperwork. I did begin to get collection notices from collection agency regarding this issue. I filed a dispute that came back verified and was horrified because I know I 'm not responsible for these charges. This collection now sits on my credit report showing 120 past due.
Product: Credit reporting or other personal consumer reports

( Account # XXXX. ), was charged off on the ( XXXX, XXXX  ). Since then the account has repeatedly continued to update as charge off every month which is an update in payment history. A charge off shouldnt include an active payment history. This false information manipulates the statute of limitations. You failed to investigate this information properly and your neglect has violated my rights. Am demanding a deletion of the following account. 

XXXX XXXX XXXX
Product: Debt collection

I sent these companies validation. Let us ask her down. 

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX  Opened XX/XX/XXXX Balance {$2100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$9200.00}
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these unauthorized inquiries not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some inquiries are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$240.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was celebrating a friends birthday with a group of people in XXXX XXXX at a location called XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019 I noticed multiple fraudulent transactions totaling {XXXX} from XXXX XXXX on my AMEX credit card. I immediately called to report the fraud. The claim was denied, and I was told that XXXX had surveillance footage of me at the location as well as signed receipts. I told them surveillance footage did not prove anything as I admit I was at the location but I did not authorize the charges. I requested copies of the evidence, AMEX informed they sent them but I told them I did not receive it. I proceeded to appeal the fraud multiple times, the last time being XX/XX/2019. I called on XX/XX/2019 to find out what was going on and was finally informed that the evidence was attached in my online banking. I reviewed the evidence, and can confirm that the signatures are not mine. This is signature fraud. I informed the AMEX customer service representative XXXX XXXX - employee ID XXXX ) who refused to acknowledge what I was saying. I'm extremely frustrated at the way this was handled by AMEX. According to the fair credit reporting act I should not be liable for these charges however, AMEX is refusing to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit services has advertising their " Boost your credit score '' program -- simply go onto their website and enter your information, and watch your score increase.

The process is your payments to utilities is to be included in your credit score, obviously if they are paid promptly and correctly to each utility company.

What Experian doesn't divulge is that you have to have at least 3 months of current utility bills ( before XX/XX/XXXX, I paid 7 1/2 years of utility bills without one single late notice from any utility -- water, gas, phone, cable ) Experian couldn't use any of that information since you ONLY QUALIFY if they can verify 3 months prior to your initial date of applying ( my applying date was XX/XX/XXXX ) Not only was this not disclosed when applying for this " Boost '' service, but now my personal bank account , soc sec # and past addresses and phone # is on Experian 's site for no usable purpose. Experian won't even speak with you until you have this personal information entered into their system and obtain a membership # with them. 
SInce credit companies can go back and review 7 years of prior credit, do credit companies really want us to believe they can't also review our utility payments???? What nonsense! Total bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan since 2011, and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item from my credit report.