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 have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The account listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.
Product: Debt collection

This collection agency does not stop calling me after many times that I have told them, I've been a victim of identity theft and this account does not belong to me. It's been several years now and they as the company refuses to take it off my credit report and does not stop calling me. I have tried for them many times to stop calling me, take the collection of my three credit reports and nothing yet. Please assist with this matter.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX for account XXXXXXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at XXXX. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact XXXX is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the XXXX customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to XXXX XXXX XXXX including a formal dispute which is attached with the details of the incident, copy of my Experian credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth XXXX page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXX XXXX XXXXXXXX XXXX and also the recorded phone conversation with XXXX XXXX services employee be pulled to show that I was given incorrect information.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.
Product: Money transfer, virtual currency, or money service

I'm a M/L Wealth Management Client. I believe that BOA decision to stop loaning money to firearms businesses is political activism, and is illegal. The firearms businesses are producing and selling legal products. I consider this to be gun control by financial institutions.
Product: Mortgage

This was a flood damaged home that insurance paid in. The check was sent to them on the XXXX XXXX XXXXXXXX more than XXXX XXXX over the payoff amount. They deposited it XXXX XXXXXXXX XXXX XXXXXXXX and cleared the XXXX. They still have not sent the check it XXXX  out the account. Some employees tell you it's coming and some day they don't know why it hasn't been sent. They are now saying they having to do a new payoff amount based on today even though they have had the money for over a month on their account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts 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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$720.00} XXXX  XXXX {$240.00} DPT ED/XXXX XXXX {$4200.00}
Product: Credit reporting or other personal consumer reports

On about XXXX of 2022, I informed XXXX XXXX and credit reporting agencies I wasn't late under 15 USC 1666b and 15 USC 1637. They have ignored my request and keep blemishing my credit files. Also keep adding fraudulent inquiries on my credit files as well.
Product: Checking or savings account

CitiBank has caused me significant distress, inconvenience, and financial losses due to the trauma caused by not sending my remaining account balance after closing it. Below are some details : I opened my account in XX/XX/XXXX. 

On XX/XX/XXXX, I deposited {$75000.00} from my XXXX  XXXX XXXX account, which serves as my primary and salary deposit account. 

I received a signup bonus, which I eventually had to pay taxes on in my XXXX tax return, including the earned bonus and interest. 

I needed the money, so I transferred {$25000.00} and {$25000.00} back to my XXXX  XXXX XXXX primary account, in accordance with the transfer limits, requested on XX/XX/XXXX. All proofs of these transactions will be attached in this complaint. 

After the transfers, CitiBank locked me out of my online access. I was able to call customer service and have XXXX, XXXX, and XXXX checks sent to my home address, which I successfully deposited later. 

I intended to keep {$1500.00} in my CitiBank account to avoid maintenance fees and use CitiBank for my future banking needs. 

I made numerous calls to CitiBank to regain access to my online banking, but they flagged my account for fraudulent activity without a clear reason. I endured many stressful calls, with each department transferring me to another, none able to unfreeze my account. 

XX/XX/XXXX, I got an email saying that my account is closed in 60 days, and the email clearly states, " we will send any funds belonging to you to this address, once the account is closed. '' When I called the customer service, they said after the account is closed I will receive my funds in XXXX to 90 days. 

I patiently waited for my account to be closed and several more months for the remaining {$1500.00} funds check to be sent to my home address. During this period, I experienced significant mental trauma and personal losses due to my inability to focus and the suffering I endured. I lost a considerable amount of time dealing with this issue. 

I hope I get this resolved and get my remaining funds sent, otherwise as I was recommended to go with other ways like approaching a lawyer, who can get my money back and can help get compensation for the personal losses incurred due to the mental trauma, and CitiBank will be responsible to pay the court and lawyer fees. 

But for immediate action if this is not quickly resolved, I am prepared to take further actions to seek resolution and justice. Will start sending emails Citi ERU. Will continue by raise complaints at XXXX XXXX XXXX of XXXX XXXX website OCC, FIDC, FBR, NCUA, CSBS XXXX XXXX / XXXX / XXXX XXXX gov / file.a.complaint Didn't expect this banking experience would become so miserable. 

I sincerely hope that this matter can be resolved promptly, and I can recover the remaining funds from my CitiBank account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. 

How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I want to make it unequivocally clear that I am not about to let this gross miscarriage of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. 

I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. 

It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute letter. 

My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that CCB/TYVISA provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy.
Product: Debt collection

Account : XXXX XXXX XXXX account sent to collections after closed and settled. Collection agency : knight adjustment bureau- contacted to inform account resolved with creditor, account was fraudulently added to my credit report with inaccurate dates of account. Fcra protects consumers from inaccurate reporting or mis representing debts. Utah has a statue of limitations, the account was closed XXXX XXXX XXXX and has been reported as XX/XX/XXXX, XX/XX/XXXX, and now shows XX/XX/XXXX. Under the FCRA and XXXX  XXXX XXXX XXXX the law must be followed when reporting a collection and when requested MUST be verified for inaccuracies. I demand this account be removed under the fcra guidelines and knight adj bureau pay damages due to fraudulent reporting against consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize those inquiries on my accountant they refuse to remove them.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration with the persistent presence of fraudulent items on my credit report, despite numerous attempts to rectify the situation through your dispute process. 

I have previously submitted multiple dispute requests, along with supporting documentation and evidence, in an effort to have these fraudulent items removed from my credit report. However, despite my continued efforts, the inaccuracies persist, negatively impacting my creditworthiness and financial well-being. 

I understand the importance of accurate credit reporting and have diligently followed the established procedures to address this issue. The ongoing challenges in having these fraudulent items rectified are not only distressing but also a hindrance to my ability to access fair financial opportunities. 

I kindly request the following actions be taken promptly : Conduct a thorough and expedited investigation into the fraudulent items listed on my credit report. 
Provide a detailed explanation for the repeated failures to remove the fraudulent items despite previous disputes. 
Take immediate corrective measures to rectify the inaccuracies and update my credit report accordingly. 
Provide written confirmation of the resolution, including the expected timeframe for completion. 
Given the urgency and the prolonged nature of this issue, I expect this matter to be resolved within the exact timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR CHILD SUPPORT SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR OFF OF CHILDSPRT ENFO XXXX XXXX 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: Debt collection

i am having calls 24 theathing me to arrest me and pay full amout go to court XXXX me to incrint to XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a cease and desist letter request to SOURCE RECEIVABLES MNGMN to stop calling me and they are still calling me aggressive and threatening me attempting to collect on debts that i never owed after XXXX and damaging my excellent credit report. I am writing a complaint to remove this company who trying to collect a debt that is not mines nor did i give anyone permission or my signature to put this on my credit report or open any account without my knowledge i want to dispute the collections on my credit report I am entitled to a fair and accurate credit report, Under consumer law, [ 15 U.S.C. 1681 ] and i am requesting this collection agency provide me with verification of the collections that are currently listed on my credit report. This includes all documentation related to these items, such as payment records and dates, signed contracts or agreements, and any other evidence that supports their validity. Whether or not they are licensed to collect debt in my state if they can not provide me with the requested documentation within 30 days. 

COLLECTIONS NAME : SOURCE RECEIVABLES MNGMN DATE : XX/XX/2023 AMOUNT {$410.00} past due