23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint requesting once again to the Credit reporting Agencies to remove the disputed Fraudulent accounts being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts not later than XXXX business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Here is the list of accounts that should be removed from my Credit File ; XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX & XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$50000.00}. Also, the Credit Bureaus have failed to send me copies of proof of verification as a result of their investigation, and yet they still continued reporting the disputed accounts on my Credit File! This action of the Credit Bureaus have violated a consumer rights under the FCRA and therefor the accounts should be removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within XXXX hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX  Balance {$3.00} XXXX XXXX  Balance {$410.00} XXXX XXXX Balance {$950.00} XXXX  XXXX Balance {$24000.00}
Product: Debt collection

This company keeps harassing me about a debt they claim I owe. I have provided them with an affidavit. There was a fraud alert on my credit report and somehow they keep saying that I need to prove to them that the debt is n't mine. I HAVE A FRAUD ALERT WHICH SHOULD HAVE FLAGGED THE ORIGINAL COMPANY SINCE IT WAS ON THERE WHEN WE MOVED BACK TO AMERICA, WHILE ON  XXXX   XXXX . Also I would n't have applied for a loan because service members and their families have special rules!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.
Product: Mortgage

I wrote a check to draw on my HELOC. Immeidately after using the check to pay the company I called citizens bank THREE times to communicate that I wrote the check and it was valid. THREE times I called. The check was returned by them and I was charged a return check fee. The check was written on XX/XX/year> for {$42000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX account XXXX XXXX as violated my rights..After removing these items from my credit reports and phone calls after phone calls it is starting to take a toll on me and my family to be very stressful.CBE GROUP AS POSTED THESE NEGATIVE ON ALL THREE CREDIT REPORTS XXXX, EQUIFAX AND XXXX 
15 U.S.C 1681 Section A-States I have right to privacy.

15 U.S.C 1681 Section 2-States It also states a consumer reporting agency can not furnish a account without my written instruction... 
XXXX XXXX XXXX XXXX XXXX and {$1000.00} sorry i don't have accounts number... 
Equifax- XXXX XXXX  amount are XXXX AND {$1000.00} XXXX XXXX  amount are XXXX and {$1000.00} With all these going back n forth with XXXX XXXX remove then put it back on my reports is affecting my personal life to very stressfull and not answering my phone to unknown number. Please for the help to have them remove these items from all 3 credit report and Thank you for your time and help.
Product: Debt collection

I do know what collection this is reference too. I was never notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the law so i need them to reverse every late payment bank of the west ever put on my report and i want a check for every late fee they charge because i know the law ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.

( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a HIPPA Act violation please delete.I have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. 
There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inparagraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 
They are also breaking these laws as well below In General If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix it?
Product: Checking or savings account

The complaint is about a {$1000.00} loss on XX/XX/2022 from our Wells Fargo Checking account due to thieves fraudulently accessing our online account, changing the login credentials, and sending themselves {$1000.00} through a XXXX transfer. We provide a 24-page PDF documenting the incident and follow-up with Wells Fargo, but the principal points are that : 1 ) Wells Fargo offering email as 2-factor authorization ( a known vulnerability ) and the XXXX platform itself ( an unaccountable transfer mechanism used increasingly frequently by fraudsters and criminals ) is part of a larger pattern of corporate impunity by Wells Fargo. And 2 ) The unserious documentation provided by Wells Fargo concerning IP addresses and logins amounted to a self-vindicating whitewash. 

I learned too late that a corporation that hurts others ( robo-evictions in the great recession, and the accounts scandal ) will hurt me if I stay long enough. I am going to a credit union and shunning banks that use XXXX, and urge others to do likewise. 

( Note that I am uploading 24 jpg documents in addition to the PDF because the PDF consistently showed as corrupted when I attempted to examine it after uploading to the CFPB site )
Product: Credit reporting

Shortly before my husbands death we had to file bankruptcy. My mother mived in with me and helped me get some credit cards i my name but under her account. All XXXX credit reporting agencies have listed the total debt of both of us as being my total debt. This is completely wrong. Also with XXXX XXXX they did give me a separate account # but have it listed twice as me debt. It is still listed under her account but is listed twice on my credit card report, Technically I have XXXX credit card that is mine and is my name only. by doing what they have done it makes my credit look a whole lot worse than it is. I 'm trying to establish my credit on my own again. The way it is now it looks terrible
Product: Credit reporting or other personal consumer reports

I am reaching out to yall, because I have sent out dispute letters Informing the credit bureau XXXX of the inaccurate information being reported. I have updated all of my personal Information.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX - XXXX {$18000.00} XXXX - XXXX
Product: Checking or savings account

On XXXX XXXX I did a claim with chime .Someone made an account in was taking my money.I made a police report in everything that was my money for my bills. Im a single mother of two in its hard for me to get my money away
Product: Credit reporting or other personal consumer reports

I'm writing to formally request the removal of this negative information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; on my credit report. I believe that these entries do not accurately reflect my financial behavior or current standing. I have made every effort to resolve any issue and have acted in good faith to improve my creditworthiness. Since XXXX my identity was compromised and as of the last 2 or 3 years if not more, more accounts have been appearing on my credit profit that I am not in control of. In light of my consistent efforts to maintain financial responsibility. I kindly request that you review my case and ensure that my credit report is a true and fair representation of my financial story. Your prompt attention to this matter would be greatly appreciated.
Product: Debt collection

On XX/XX/2018 i sent a letter requesting to verify this debt thats supposedly owed. This company has not sent me any information regarding my request.
Product: Credit reporting

XXXX accounts on my credit report. 1 ) XXXX is a XXXX balance, unable to get them to remove the item stating they need documentation 2 ) XXXX XXXX paid in full states they need documentation which the company has sent to them plus they refuse to make changes to the credit report with my documentation. They are famous to state they will not reinvestigate the account. This is against the FRCA .But they intimidate customers staying even though paid will not reinvestigate the accounts. Accounts status and balances can change and they should be fair and transparent to the customers if information is provided.
Product: Debt collection

Global credit and collection group XXXX has not stopped calling for over 6 months even though I have repeatedly told them I am not the one whose debt they are trying to collect. I received a new number from XXXX and have repeatedly told them I will do whatever it takes to get my name off the list. Every single time they either hang up when they realize I am not the person looking for or they quickly say ok sir we will take you off, good bye. They will not put me on the phone with a supervisor and I am left with over XXXX missed calls a day on average, a few times they have even called past XXXX at night.
Product: Money transfer, virtual currency, or money service

This company has impacted my everyday living and my entire life with this Glitch, That caused me and millions of individuals information being stolen
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their unlawful reporting of a late payment auto loan account on my credit report. 

( XXXX XXXX XXXXXXXX ) This unauthorized reporting has been ongoing despite multiple attempts to address the issue through certified mail, which has been met with no resolution. I firmly believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Under 15 USC 1681b ( permissible purposes of consumer reports ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written instructions or consent to these agencies to report the aforementioned auto loan account on my consumer report, yet they continue to disregard my correspondence and persist in reporting the account.

Furthermore, 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS from the definition of a " consumer report '' any report that contains information solely as to transactions or experiences between the consumer and the person making the report. This auto loan account falls under this exclusion and should be excluded from my consumer report. The continued reporting of this account is therefore not only unauthorized but also illegal.

I wish to emphasize that I am prepared to seek damages for each violation, including : Defamation of Character : The inaccurate reporting of this late payment negatively impacts my creditworthiness and has the potential to harm my reputation.

Enablement of Identity Theft : Unauthorized reporting can expose personal information and increase the risk of identity theft. 

Violation of the FCRA : XXXX, Equifax, and XXXX are in violation of the FCRA by reporting this account without my written consent. 

Violation of the Fair Debt Collection Practices : The reporting of this account without proper authorization violates fair debt collection practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary action against XXXX, Equifax, and XXXX for their unlawful actions. I also seek assistance in ensuring the immediate removal of this erroneous account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an accounts listed on my credit file, which I believe to be inaccurate and incomplete.

The accounts in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate these accounts and take appropriate action to correct any inaccuracies in my credit file.

Furthermore, I would like to request verification of the aforementioned accounts. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the accounts without delay. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$38.00} ; XXXX XXXXXXXX Balance : {$67.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act under 15 USC 1692 ( G ) I am demanding that my rights be enforced by requesting that these companies provide me and the CFPB for a " Debt Validation Claim '' XXXX Cred Acct # XXXX XXXX Acct # XXXX XXXX ; XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX A. Please provide me the original signature that i agreed to on this contract for this creditor. B. Please send me a full detailed list of the payment history of these account. C. Has there been any Insurance claims filed on this debt ( Please provide ) D. Please provide me the chain of title that you have to collect on this debt.
Product: Debt collection

I proceeded to call this company to see if they had gotten my police report the lady that answered was very sweet how the guy supervisor who ever he was so disrespectful when I asked to get a letter of them canceling this account as he told me they were he In turn told me I would get nothing saying anything because I filed a complaint with the CFPB so rude and began being very nasty after us where I hung up the phone I was the victim of this fraud account. He made me feel like I was the perpetrator this company should be out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /   2017  I sent to TransUnion a certified letter attached below to dispute the accuracy and reporting of a bankruptcy they show on my credit report. They signed for this letter on  XXXX / XXXX / 2017  and responded with a return letter on  XXXX / XXXX / 2017  they hire a third party company " to check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. '' TransUnion has not disclosed this " third party '' company. They still continue to report on my credit report that the ILLINOIS  Federal Court  -  XXXX  is reporting the bankruptcy. This is not accurate, I have obtained a letter from the  Court Clerk whi ch is attached below. Also the address listed for the court is incorrect on the credit report as well. The court does not report bankruptcy 's to the bureau 's.
Product: Debt collection

i was not living in the usa at the time ... i was living in XXXX..there is no way it is reporting accurately
Product: Credit reporting or other personal consumer reports

I received a letter about a data breach of my info being shared without my consent. While checking my credit report I noticed several hard inquires that I do not recognize on my account. Please remove the hard inquires below from my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove items immediately