23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The Bank of America which uses Visa and MasterCard was affected by the publicised XXXX Data breach which only affected Visa and MasterCard. There was a transaction that I disputed for {$530.00} that was not authorised. It is my understanding that this transaction was included in this XXXX data breach and my information may have been compromised during this data breach. To date employee that I spoke with at the Bank of America by the name of XXXX was not aware of the data breach and that Bank of America executives are not discussing the affects of this data breach. I have requested for bank to look into this matter.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had a few late payments on an accounts that were never late. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have NEVER BEEN LATE. Please investigate and provide proof with statements showing that I was late. If you can not provide proof I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was NEVER LATE. Imagine all the people being affected by these type of errors. PLEASE FIX THIS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

A few months ago I reported Bank Of America XXXX consumer financial protection bureau for decreasing my fico score and submitting false information to the credit bureaus. In regards to the initial complaint filed I received a letter from them which read ( we won't be adjusting our reporting like you requested and consider your dispute resolved. ) I want to file a discrimination complaint on the person composed this letter you will find it in the attachment below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Tx XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Tx XXXX Are all old addresses. I am no longer living at these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau individually, starting XX/XX/2022. I submitted proof of the accounts being settled and paid and proof that the company agreed to remove. I have disputed these accounts multiple times over the phone and through letters as well as online. Each time the credit agency refuses to update the accounts and the lenders report the information back inaccurately despite the proof of payment I submitted to the Bureaus.
Product: Credit reporting or other personal consumer reports

15 USC 6801 requires financial institutions to protect the confidentiality of customers ' nonpublic personal information.

15 USC 1681 Section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the consumer 's written consent.

15 USC 6802 ( b ) ( c ) requires that financial institutions provide clear explanations of nondisclosure options before sharing personal information with third parties.

15 USC 1681C ( a ) ( 5 ) prohibits reporting adverse items older than seven years.

15 U.S. Code 1681s2 ( A ) ( 1 ) forbids furnishing inaccurate consumer information.

12 CFR 1016.7 affirms that consumers may opt out of reporting services at any time.

Therefore, I am formally : Revoking all prior consent for information sharing Demanding cessation of all reporting activities Asserting my right to privacy and data protection All referenced consumer reporting agencies and information furnishers are hereby notified to immediately cease and desist all information reporting and sharing related to my personal financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Data Furnisher named XXXX XXXXXXXX XXXX XXXX used fraudulent deceptive and unlawful mean to obtain the consumer consent to disclosed and furnish private, nonpublic, personal identifying financial information about the consumer with EXPERIAN whom is a third party as it relates to account number XXXX. The laws mentioned in the attached Affidavit of Fact Doc # XXXXXXXX XXXX XXXXXXXX XXXX XXXX that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. No such disclosures were ever provided to the consumer so no opportunity was ever offered. Therefore EXPERIAN is reporting private account information in the form of transactions and experiences that it has fraudulently obtained form the Data Furnisher. Lastly 15 USC 1681a ( d ) ( 2 ) ( A ) and RCW 19.282.202 states a consumer report does not include transactions and experiences. Obtaining consent to disclose private identifying information by deceptive means and using that information constitutes Identity Theft pursuant to 15 USC 1681 ( q ) ( 3 ). I am attaching a copy of my official notarized complaint by affidavit along with proof of identity and evidence that supports my claim. Please be advised that a copy of this notice has been mailed via XXXX certified mail return receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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

This is my FOURTH NOTICE disputing inaccurate personal information on my credit report. The following information is NOT MINE, and I have NO CONNECTION to it. Kindly remove this information from my credit report immediately. If you persist in reporting this inaccurate information, I will pursue legal action for willful noncompliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX has this debt to multiple agencies and some at the same time. Original account was discharged in bankruptcy. Agency claims account was not closed and remained opened when I in fact lived in another state. The debt has now been sold to 6 different agencies caused hardship and even prevented the approval of my home loan due to multiple collections listed by this same creditor. When I call XXXX directly they say they can not verify my account. They 've asked me to travel to their nearest location which is hours away to show proof of ID and when I have gone my identification does not match the account so they do not assist me.
Product: Credit reporting or other personal consumer reports

Transunion is currently three months behind on reporting the correct information on my accounts. When I logged into Transunion acct it's showing the month of XXXX & XXXX. Both XXXX and XXXX are up-to-date. 
In XXXX I received a letter from XXXX Bank stating that my credit limit for my XXXX 's account had been reduced due to the reporting they received from Transunion. 
Another incident occurred when Transunion reported that my balance on my mortage had increased by {$13.00} which again decreased my credit score. I contacted the bank and they had no record of this. I was informed that when a negative reporting is send out that there is commission received. Please contact and see if you can resolve these issues. 

Greatly appreciate,
Product: Credit reporting or other personal consumer reports

today i logged into my credit file to see Experian is reporting inaccurate information and updating a balance of {$590.00} with a 100 % utilization on a closed account that was paid back in XX/XX/2023, this closed paid off account seems to be reaging, each time i disputed this account as closed paid, i would get an automatic reply from a BOT with a generic auto message that says account balance has been updated although its closed. there is no real person who investigated my dispute, all disputes are investigated and generated with an automatic bot. the XXXX account should reflect paid in full and closed. 

in XX/XX/2023 Experian reports XXXX  days late in XX/XX/2023 Experian reports XXXX  days late in XX/XX/2023 Experian reports XXXX  days late in XX/XX/2023 Experian reports XXXX  days late in XX/XX/2023 Experian reports XXXX  days late in XX/XX/2023 Experian reports XXXX  days late in XX/XX/2023 Experian reports XXXX  days late in XX/XX/2023 Experian reports XXXX  days late in XX/XX/2023 Experian reports XXXX  days late
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : AFNI, INC/XXXX  Account # XXXX I am beyond exausted trying to resolve this matter I'm currently experiencing with XXXX. Due to this issue I have experience such a hard time in life with the harassing phone calls it's making me miserable as well as my kids. I have tried on numerous occasions to resolve the inaccurate information on my credit report but hey have completely ignore me however they've been calling my job, my friends, my neighbors, my husband and the camp where my children are enrolled which I don't know how they got the number to. They've called everyone in my life except my dog. This has brought on a lot of mental issues to the point I'm having difficulties all for an account I have no knowledge of. 

This is the last time I'm trying to resolve this issue for the inaccurate information. My attorney has advised me to sue, however I'm trying to resolve this before I have to take legal action. Should they not remove this inaccurate account off my report I will sue for deformation and financial injury. Under the FDCPA and FCRA I can sue for damages to which I know my rights. FDCPA section 809 this law allows me to sue under the same circumstances. I have demanded on several occasions for the cause to cease and desist and they've ignored it. Please assist me with working with this company to have this account removed from my credit report.
Product: Checking or savings account

I have a disoute with a company for {$300.00}, I disputed this because i did not receive the services. Not only did the bank deny my dispute and take out {$300.00} from my account causing it to overdraft, it also took an additional {$300.00} out that was not even part of the dispute. I am not out over {$600.00} becuase i was stolen from and the bank allowed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX sold this debt to XXXX XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX vehicle XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. The three bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Montgomery Wards is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Montgomery Wards to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Product: Prepaid card

I filed 2 cases to get replacement cards from incomm in XXXX. But have only received 1 replacement card to date. 
case numbers are : XXXX XXXX
Product: Credit reporting

sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as XXXX XXXX XXXX, XXXX. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by XXXX XXXX XXXX XXXX XXXX. 
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update. 
3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX  did no such transfer, nor was I ever given any such proof. 
4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal.

6 ) This collection is illegal, and XXXX XXXX XXXX is in violation of my rights under the Fair Debt Collection Practices Act. 
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX  recalling this debt information immediately. 
8 ) Any and all references to this account must be deleted on all credit bureaus. 
9 ) XXXX XXXX XXXX  must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of  Massachusetts permanently. 
XXXX XXXX XXXX XXXX XXXX has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of XXXX XXXX XXXX XXXX XXXX. Examples of common complaints against XXXX include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against XXXX XXXX XXXX illustrate these types of alleged violations. 
Consumer alleges attempts to collect a debt not owed XXXX XXXX XXXX said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The SIMMONS BANK account with the account number XXXX was marked as Charge-off with an identified balance of {$9700.00} However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I opened a credit card account with Capital One in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea who these agencies are that are reporting on my credit report ; did not ask any of them to report.